My car was involved in a hit and run over the weekend. The bumper is scraped up and my driver's side tailight is busted. My insurance company filed it as a collision rather than a comprehensive claim, thereby making my deductible $500 as opposed to $100.

The damage was assessed at $590, so I got $90 covered. My question is this, doesn't it being filed as a collision claim mean that I will be screwed when it's time to renew my insurance? Don't companies look at the number of collision claims you've had in determing your rate?

This is progressive, if it matters.

Thanks

 

Different rules apply in different states. Generally comprehensive coverage is for fire, theft, vandalism, that sort of thing.

Your insurance company handled it under collision, which mine would do as well.

I would not think this loss should affect your premium as it was not an "accident."

Sorry to hear about your damage.

 

Well since it only saved you 90 bucks, you would have been better to have not reported it, but hindsight is 20/20..

Well I had the same thing happen, although in Indiana. Well, i t probably won't screw you when you renew with your present company, but if you try to get a quote from another company, they will see it and may jack up your quote. I did and on-line quote and didn't include the info for my hit and run claim, thinking it wasn't a factor and was quoted one amount. Then when I went to go with that quote they found the claim and it raised the quote like 1000 bucks for the year. But I contacted the Insurance Association of Indiana (not sure the exact name) and they said that's the only way your insurance company could have handled it. So in other words, it sucks a$$. I stop pursuing it, but maybe you can do more in California. It sucks to pay your deductible and then possibly pay more for insurance because of some asshole hitting you, but I think that's the way it goes

 

thanks for the responses....that's what i was thinking as well, and i'm hoping that i can possibly retract my claim with progressive and see if they'll let me.

 

they should. just call your claims rep and tell them you wish to withdraw the claim. you should just go to the shop and tell them youre gonna pay cash, and out of your own pocket. They should be nice about it and let it go for $500. Also, it would affect your premium. Insurance treats hit and run as a your fault collision if they never catch the other guy, simply because the fraud potential would be HUGE if they didnt.