I own a new lexus sedan and I became casualty of hit and run. I went to get my saloon and saw dents on the side mirror and small cracks. Should I even bother filing and report to my insurance? I am afraid my insurance will go up.
Most credible the damage is under your deductible if the deface is just on the mirror.
Insurance is for the big things. Filing a claim of any size will make your insurance go up, and the price of the replacement mirror probably will be smaller number than your deductible anyway.
Answers: Most insurance policies own a deductable. Like a $500 deductible means you must pay the first $500 beforehand the insurance kicks in.
Check your policy and see how much your deductible is. I doubt you will find it worthwhile to turn contained by your mirror to the insurance company.
If you have $520 in spoil for example, it isn't worth turning in to get them to retribution the $20 and take the chance they angle your insurance by $20 a month.
Insurance is for the big things. Filing a claim of any size will make your insurance go up, and the price of the replacement mirror probably will be smaller number than your deductible anyway.
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If it was a hit and run your rates should not go up, this is a non chargeable loss. You can other report the claim to your insurance company if the damage is under your deductible or only above and you tell the insurance company you want to pay for it yourself you should not enjoy a rate increase since this accident wasn't your fault.Most credible the damage is under your deductible if the deface is just on the mirror.
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Insurance is for the big things. Filing a claim of any size will make your insurance go up, and the price of the replacement mirror probably will be smaller number than your deductible anyway.
Answers: Most insurance policies own a deductable. Like a $500 deductible means you must pay the first $500 beforehand the insurance kicks in.
Check your policy and see how much your deductible is. I doubt you will find it worthwhile to turn contained by your mirror to the insurance company.
If you have $520 in spoil for example, it isn't worth turning in to get them to retribution the $20 and take the chance they angle your insurance by $20 a month.
Insurance is for the big things. Filing a claim of any size will make your insurance go up, and the price of the replacement mirror probably will be smaller number than your deductible anyway.
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