My car was hit by some lady while I was in class. I know who it was by the damage on the cars but I have no evidence to prove that its her... plus, she already denied everything.


Anyways, I was planning on filing a claim with my insurance company and bitting the $500 deductible but realized I'm over my 7500 a year limit.

Being listed under a "pleasure vehicle" with allstate, the limit of miles per year is 7500.

Do you guys know what the consequences are if they find out I'm over by quite a few miles?

 

I am in the insurance biz. I think they will make the adjustment to your premium at your policy renewal. I wouldn't guess they would adjust your premium mid-term.

You may be able to make an uninsured motorist claim. The deductible may be less than your $500 for collison. It just depends on your state's laws.

Good luck with it.....gotta hate dishonest people....

 

Thanks for the advice.

What do you mean it depends on my state laws? Can my insurance co. give me answers on state laws with a uninsured motorist claim?