Will my insurance premium go up if i file for a claim, for no fault of mine?

Will my insurance premium go up if i file for a claim, for no fault of mine?
----
My parked car was damaged when another person was attempting to park
his minivan.(I'm in NJ).

I am told that if one is a risky "driver"(in this case, I wasn't even
driving), and has had multiple claims within a calendar year, the
insurance company will most likely hike up the premium regardless, as
they consider such a driver as "reckless". I had an accident last
November.


The man was kind enough to leave a note on my car. My questions a
a)Will my insurance premium go up if I file for a claim?

b) Will I have to pay my deductible, if I file for a claim?

In article >,
says...
> Will my insurance premium go up if i file for a claim, for no fault of mine?
> ----
> My parked car was damaged when another person was attempting to park
> his minivan.(I'm in NJ).
>
> I am told that if one is a risky "driver"(in this case, I wasn't even
> driving), and has had multiple claims within a calendar year, the
> insurance company will most likely hike up the premium regardless, as
> they consider such a driver as "reckless". I had an accident last
> November.
>
>
> The man was kind enough to leave a note on my car. My questions a
> a)Will my insurance premium go up if I file for a claim?

Yes it will. I have a friend who's Jaguar was damaged through no fault
of his own. His insurance went up by 20%.

> b) Will I have to pay my deductible, if I file for a claim?

Yes you will.

Does the person that hit your car have insurance? Their insurance should
cover it. If they do not, then your underinsured coverage should cover. I
had someone back into me as I was getting ready to park my car. He did not
have insurance. My insurance covered it and did not go up.


"Tony P." > wrote in message
...
> In article >,
> says...
> > Will my insurance premium go up if i file for a claim, for no fault of
mine?
> > ----
> > My parked car was damaged when another person was attempting to park
> > his minivan.(I'm in NJ).
> >
> > I am told that if one is a risky "driver"(in this case, I wasn't even
> > driving), and has had multiple claims within a calendar year, the
> > insurance company will most likely hike up the premium regardless, as
> > they consider such a driver as "reckless". I had an accident last
> > November.
> >
> >
> > The man was kind enough to leave a note on my car. My questions a
> > a)Will my insurance premium go up if I file for a claim?
>
> Yes it will. I have a friend who's Jaguar was damaged through no fault
> of his own. His insurance went up by 20%.
>
> > b) Will I have to pay my deductible, if I file for a claim?
>
> Yes you will.
>

Get an estimate and have the person take care of it. He is obviously up to
that or he wouldn't have left his name and number.


"Veronica Thomas" > wrote in message
...
> Does the person that hit your car have insurance? Their insurance should
> cover it. If they do not, then your underinsured coverage should cover.
I
> had someone back into me as I was getting ready to park my car. He did
not
> have insurance. My insurance covered it and did not go up.
>
>
> "Tony P." > wrote in message
> ...
> > In article >,
> > says...
> > > Will my insurance premium go up if i file for a claim, for no fault of
> mine?
> > > ----
> > > My parked car was damaged when another person was attempting to park
> > > his minivan.(I'm in NJ).
> > >
> > > I am told that if one is a risky "driver"(in this case, I wasn't even
> > > driving), and has had multiple claims within a calendar year, the
> > > insurance company will most likely hike up the premium regardless, as
> > > they consider such a driver as "reckless". I had an accident last
> > > November.
> > >
> > >
> > > The man was kind enough to leave a note on my car. My questions a
> > > a)Will my insurance premium go up if I file for a claim?
> >
> > Yes it will. I have a friend who's Jaguar was damaged through no fault
> > of his own. His insurance went up by 20%.
> >
> > > b) Will I have to pay my deductible, if I file for a claim?
> >
> > Yes you will.
> >
>
>

> Will my insurance premium go up if i file for a claim, for no fault of
mine?
> My parked car was damaged when another person was attempting to park his
minivan.
> The man was kind enough to leave a note on my car. ?

Happened to me - my car sideswiped - Other driver is at fault, his
insurance company will pay.
Your company will not be $$ out of pocket.
THUS..... No rise in you insurance rates.

= = = = = = = = = = = = =
"Be thankful! ....We're not getting all the government we're paying for."
- Will Rogers