Car egged - insurance info | Page 2 | GTAMotorcycle.com

Car egged - insurance info

Malks said:
I would avoid making too many claims. It depends on how the insurance company categorizes the claim. I am not connected with the insurance industry in any way; however, a recent story in The Star http://www.thestar.com/business/article/1281911 details that damage made to your car in a parking lot, when you do not have information on the other vehicle, is considered to be 50% your fault. So if they deem this to be a single vehicle at-fault claim, and you have already made two other claims in the past five years, you could be refused insurance.

I am not sure if a comprehensive claim for damage made by something other than another vehicle would be considered an at-fault claim. In order to be completely sure how this claim would be handled you should read your policy and talk with your agent before making a claim.
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That reporter literally has no idea what they're talking about. First off let me address OP's question. An egg being thrown at a car will be considered a comp claim and comp claims DO NOT affect premiums. Period. Your comany will likely make you file a police report but that's it. If you make several comp claims than they may increase your deductible or refuse to offer comp coverage (in extreme circumstances) but they can NOT increase your rates.

No as for the article.....Ellen Roseman is a financial reported and she clearly knows nothing about insurance. She uses terms like at fault comprehensive claims which simply don't exist. And honestly, who doesn't know that a single vehicle accident is at fault. The man drove into his own underground parking garage and had (apparently) 2 other single vehicle accidents in parking lots. Of course he's going to be listed as high risk.

I can't believe that so many people go around asking their friend's brother's neighbour for insurance advice when all you need to do is talk to your insurer. And if you think I can't call your insurer becuase you think it may impact your rates than you have a terrible agent/broker and you should move to a better place.

between your house, car, bike, and life, insurance is possibly the most expensive thing you buy and people know literally nothing about it. I have 7 years in the industry and I'm constantly blown away by the misinformation out there, and for a 'reporter' to be spewing it just makes me crazy!

/rant
 
Wasted said:
That reporter literally has no idea what they're talking about.

I have 7 years in the industry and I'm constantly blown away by the misinformation out there, and for a 'reporter' to be spewing it just makes me crazy!

/rant
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If you listen to everything the media says, motorcyclists will always be at fault and taking a walk at night at Jane & Finch will result in you getting shot or robbed.
 
PLau said:
If you listen to everything the media says, motorcyclists will always be at fault and taking a walk at night at Jane & Finch will result in you getting shot or robbed.
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PLEASE think of the children and remember to vote Liberal!
 
Comprehensive claims should not affect your rates unless you make a ton of them every year. I had my windshield replaced 3 times one year and still never had it affect my rates at all. Yay $0 deductible (which I, unfortunately, do not have anymore as I had to switch insurance companies)!
 
Wasted said:
That reporter literally has no idea what they're talking about. First off let me address OP's question. An egg being thrown at a car will be considered a comp claim and comp claims DO NOT affect premiums. Period. Your comany will likely make you file a police report but that's it. If you make several comp claims than they may increase your deductible or refuse to offer comp coverage (in extreme circumstances) but they can NOT increase your rates.

No as for the article.....Ellen Roseman is a financial reported and she clearly knows nothing about insurance. She uses terms like at fault comprehensive claims which simply don't exist. And honestly, who doesn't know that a single vehicle accident is at fault. The man drove into his own underground parking garage and had (apparently) 2 other single vehicle accidents in parking lots. Of course he's going to be listed as high risk.

I can't believe that so many people go around asking their friend's brother's neighbour for insurance advice when all you need to do is talk to your insurer. And if you think I can't call your insurer becuase you think it may impact your rates than you have a terrible agent/broker and you should move to a better place.

between your house, car, bike, and life, insurance is possibly the most expensive thing you buy and people know literally nothing about it. I have 7 years in the industry and I'm constantly blown away by the misinformation out there, and for a 'reporter' to be spewing it just makes me crazy!

/rant
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OP, this is the response you want to read -- it is spot on.
 
note to you guys advising to just call your insurance company - once they realize you have egg damage to your car (wow, that sounds ridiculous), they will remove your coverage for collision/comp.

It's a catch. they now know you have unrepaired damage on your car - no, it doesn't take a fool to try to determine if your car was damaged by a sledgehammer vandal apart from your egg damage or even if a car dings you in traffic, but this is where they can get you. You have unreported damage so they don't know the extent..they just now know you got it.

Be careful how you word your inquiry is what i'm getting at.
 
JFD said:
note to you guys advising to just call your insurance company - once they realize you have egg damage to your car (wow, that sounds ridiculous), they will remove your coverage for collision/comp.

It's a catch. they now know you have unrepaired damage on your car - no, it doesn't take a fool to try to determine if your car was damaged by a sledgehammer vandal apart from your egg damage or even if a car dings you in traffic, but this is where they can get you. You have unreported damage so they don't know the extent..they just now know you got it.

Be careful how you word your inquiry is what i'm getting at.
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Sounds like you have a terrible agent/broker. If I called in to ask some questions about my car being egged and they cancelled my comp and/or coll coverage I would cancel my policy and bind with someone who cares. Yes, they are out there. No, not every insurance company is 'evil'. The lowest premium is not always the best choice!!
 
JFD said:
note to you guys advising to just call your insurance company - once they realize you have egg damage to your car (wow, that sounds ridiculous), they will remove your coverage for collision/comp.

It's a catch. they now know you have unrepaired damage on your car - no, it doesn't take a fool to try to determine if your car was damaged by a sledgehammer vandal apart from your egg damage or even if a car dings you in traffic, but this is where they can get you. You have unreported damage so they don't know the extent..they just now know you got it.

Be careful how you word your inquiry is what i'm getting at.
Click to expand...

No, that's not the way it works.
 
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