Comprehensive insurance claim and premium increase

[T3SLA90D]

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.

 

[Sprandt23]

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.

 

[FlyF4]

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.

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

 

[chillaban]

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….

 

[trm2]

This might be a claim on homeowners instead of auto.

 

[gsymington]

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.

 

[P85Dave]

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