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Comprehensive insurance claim and premium increase

Discussion in 'Model S' started by T3SLA90D, Mar 7, 2018.

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  1. T3SLA90D

    T3SLA90D Member

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    York, PA
    A shelf in my garage fell on my tailgate (MS 90D 2016) yesterday, dented the metal and scratched the paint I am thinking about filing a comprehensive claim with my insurance if the repair would cost more than $1000.

    Has anyone filed a comprehensive claim with their insurance and if so did the premium go up significantly? I have Progressive. Thanks a lot.
     
  2. Sprandt23

    Sprandt23 Member

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    Don't have Progressive, but filed a comprehensive claim 2 days after picking up my 85D. Had an encounter with a coyote with a death wish on the interstate on the drive back from Phoenix from picking up my CPO. It has been less than 6 months, but was told by the agent it wouldn't affect my rates.
     
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  3. FlyF4

    FlyF4 Member

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    The wife (knows a LOT about this stuff) said to just call the agent and ask. What he/she knows is not something that goes any higher up.
    As a side note, she hates Progressive Flow woman and her company. I almost got slapped just to ask her this :)
     
    • Helpful x 1
  4. chillaban

    chillaban Active Member

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    In general a single comprehensive claim won't affect your rates. I have to caution though, one year I had 3 (!) comprehensive claims and that absolutely caused a rate increase. When in doubt, ask, but then again what they say won't be legally binding anyway….
     
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  5. trm2

    trm2 Member

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    This might be a claim on homeowners instead of auto.
     
  6. gsymington

    gsymington Member

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    #6 gsymington, Mar 7, 2018
    Last edited: Mar 7, 2018
    Don't file a claim, it'll cost you more in the long run. You probably have a $1000 deductible so you'll already be covering most of the cost.

    Most Homeowners insurance has some sort of "Safe Homeowner" discount that kicks in after 5 years of no claims. As soon as you have a claim (Non-weather related), your premium will go up for, at least, five years. Call your agent and have an honest conversation before filling a claim, see what the impact would be. You can't unring the bell once it's filed.

    I had some electronics stolen while on a vacation. Everyone suggested I file a claim against my homeowners. I talked to my agent and did the math, $2000 with of laptop and iPads replaced would have cost $4000 in premium increase.

    Auto insurance will not cover something like this if it happened in your garage.
     
  7. P85Dave

    P85Dave Member

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    Jan 30, 2018
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    Location:
    McLean, VA
    Whatever you get from your insurance agent, get in in writing (email).

    I've had my agent give me "advice" over the phone that I found out to be false.

    I now get all insurance "advice" from my agent via email :)
     

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