Quote:
Originally Posted by Canehdianman
This is half a gear-grinder, but I have an insurance question as well..
I got rear-ended in my shiny new truck about a week ago.
Very minor damage (at least on my end). Her bumper cracked the plastic cover for my trailer electrical connection. I went to Ford the next day and replaced it - $110.
I called her to let her know, she said that she is going through insurance and that I would have to put a claim in with my insurer (who would pass it along to her insurer).
I wanted to know if this would count as a "claim" against my "claims free" history? Seems completely ridiculous to lose my discount because some stupid broad was texting and hit me from behind. Especially over $110 in damage.
Anyone know for sure??
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You don't even need to let your insurance company know.
If the only damage is what you say (ensure there is not hidden damage) you can deal directly with her insurance company. They may want you to get an appraisal, which isn't a bad thing.
If you know her insurance company and policy number give them a call and ask to speak to whoever is handling the claim under that policy.