Quote:
Originally Posted by flamesrule_kipper34
^ Are you 'allowed' to call an insurance agent and ask hypothetically? Like I said I'm just worried about calling, finding out and somehow getting my premiums increased when it would have been better to pay out of pocket.
Going thru a similar situation myself with my gf.
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Sure you can. Just asking isn't a big deal.
Quote:
Originally Posted by Tailspin
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.
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That is certainly different than my experience.