If the damage was caused by another vehicle, it will be a collision loss rather than a comprehensive loss. Comprehensive would only cover it if it was decided to be an act of vandalism.
It would be a not at-fault collision loss and shoudn't impact your driving record. If you are receiving any kind of claims free discount it could be affected, but that varies carrier to carrier. You will have to pay the deductible unless they find the third party and can charge them.
If you have any more questions shoot me a pm. Best advise is to speak with your broker as they know the details on your carrier/policy etc.
Quote:
Originally Posted by iggyntangs
Just a quick question:
If you're the victim of being in a hit and run, i.e. you discover your parked vehicle hours later of being hit and the mirror being torn off, in terms of auto insurance what's the law in AB?
I know in Ontario, if this happens and you make a claim through insurance you pay the deductible and your premiums will not go up.
Is it the same in AB, or is it just dependent on your coverage/insurance company?
I just want to know if it'll be cheaper for me to pay for it out of pocket or pay the deductible which is hundreds of dollars cheaper (and am scared to call my insurance company to find out and then them formalizing a claim and raising my insurance)?
Of note I've made no claims through my insurance company before, only had it for 1 year only been driving for 1 year and have no accidents/tickets/demerits whatsoever.
Thanks in advance CP faithful.
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