[RockCrusher]

Originally Posted by JABCAT

Tbh - what do they care, they just raise rates. In TX even a no fault raises your rates, and as my previous insurer told me, once I tell them I had an incident, even if I decide to not file a claim, they can raise rates. My wife's previous Grand Cherokee was hit by a metal box that flew off a truck on the freeway. After notifying our insurance co and getting the estimate, we told them we'd just pay out of pocket (it was only a couple hundred more than our deductible). They said fine but it still gets added to your file as an "incident" and will affect your rates. Lose - lose.

Just giving repair shops carte blanche to replace parts that aren't called for is so contrary to my experience I just can't accept that.

But if it happens raising rates is no solution, no sustainable solution. Skyrocketing rates also invites government intervention.

As for the unfortunate experience with the metal box...

From State Farm:

What comprehensive insurance covers

Comprehensive car insurance can help you recover from a variety of unfortunate events:

Weather conditions such as wind damage from hurricanes, flood, hail, and falling objects
Fires and explosions
Total or partial car theft and vandalism
Hitting or being hit by a deer or other animal
Violence from civil unrest or riots
Glass claims & window shield repair


What comprehensive insurance doesn’t cover

If you're responsible for an accident, you’ll need separate coverages. Your comprehensive coverage won't pay for collisions with:

Other vehicles
Objects (trees, buildings, etc.)
Injuries
Fatalities

Unfortunately for you it appears the insurance company adhered to the above.

Too late now but the truck's insurance should have covered this but unless you have a dash cam good luck in getting the truck owner's insurance company to cough up the dough.

[JABCAT]

Originally Posted by RockCrusher

Just giving repair shops carte blanche to replace parts that aren't called for is so contrary to my experience I just can't accept that.

But if it happens raising rates is no solution, no sustainable solution. Skyrocketing rates also invites government intervention.

As for the unfortunate experience with the metal box...

From State Farm:

What comprehensive insurance covers

Comprehensive car insurance can help you recover from a variety of unfortunate events:

Weather conditions such as wind damage from hurricanes, flood, hail, and falling objects
Fires and explosions
Total or partial car theft and vandalism
Hitting or being hit by a deer or other animal
Violence from civil unrest or riots
Glass claims & window shield repair


What comprehensive insurance doesn’t cover

If you're responsible for an accident, you’ll need separate coverages. Your comprehensive coverage won't pay for collisions with:

Other vehicles
Objects (trees, buildings, etc.)
Injuries
Fatalities

Unfortunately for you it appears the insurance company adhered to the above.

Too late now but the truck's insurance should have covered this but unless you have a dash cam good luck in getting the truck owner's insurance company to cough up the dough.

I don't disagree with you, and I know policies vary from state to state. Even if the truck's insurance covered it, my rates would still increase. What I was told by both Allstate & State Farm (my current carrier) is that any incident reported, whether they pay a claim or not, goes on your file & can (does) affect your rates - in TX. Which is why I'm replacing my rear bumper, that I ran into my son's Jeep, myself. $550 for the bumper and $500-$700 quoted to paint it vs my $500 deductible & my rates going up again at my next renewal (have already increased almost 50% since switching to SF).