Filing vandalism claim means viewing driving record?

awyala

awyala

Guest
Will filing a vandalism / non-driving related claim under the comprehensive coverage mean that my insurer will view my driving record?

I have a ticket on my record I would rather not provoke a viewing of come renewal time. Will my claiming on my policy invoke a policy premium review?

My insurer State Farm has already said the claim will not affect my premium, as I have a statement admitting fault from the individual who damaged my bike, so on that basis I know my premium will not be affected.

Thanks.
 
It really depends on the insurer -- every insurer has different rules on when they will pull your MVR from the Ministry of Transportation. Since it's expensive, insurers are usually selective in who they will pull an MVR for. I can't speak to State Farm's rules.
 
VifferFun said:
It really depends on the insurer -- every insurer has different rules on when they will pull your MVR from the Ministry of Transportation. Since it's expensive, insurers are usually selective in who they will pull an MVR for. I can't speak to State Farm's rules.
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Just speaking as a layman.. I would imagine it depends on how much you are about to cost them.. there is probably a threshold after which they send the file for investigation before paying out the claim hoping to find some reason why your policy is void. I'm not saying your traffic ticket would be something that would void the policy, but they would likely uncover it while searching for something that does, and then it'll be in the books.
 
nearace said:
I would think the insurance would not check and just sue the offender for the money.
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I was told it is considered "no fault" in Ontario, despite a written admission of fault on the part of the other party. Because they knocked over my bike without another vehicle involved, the other party's insurance is not involved and my insurance covers it as "comprehensive".

The admission of fault however (as claimed verbally over the phone) results in having no affect on my premium or 1st claim grace.

My issue however is if they pear too deeply into my driving record in their investigation and ding me come renewal time!

I would rather keep it quiet and fly under the renewal radar.
 
I'm with State Farm as well and when I signed up I had two tickets, both are now off my record.
If it's just one ticket, it's no big deal... Just don't get any more.
 
State Farms decision to run your MVR (which wouldn't be a routine investigative tool in a claim like you suggest) would be a decision made at the "renewal" of your policy.
I don't know their rules around ordering MVR's, but if you had a comp claim that may possibly trigger an MVR request at renewal. An at fault collision would almost definitely trigger such an MVR request, a comp claim somewhat less likely, but again I don't know their rules.

It would be nice if you could ask a State farm Auto Underwriter this question.
 
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