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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Your premiums should only increase if they payout a claim (by law), not if you file one. There should be no issue with you phoning your insurance company, saying this happened, and finding out your best options. Just because you file a claim doesn't mean you are stuck going through your insurance company.