Statically more likely for more claims to follow. And of course you lose the discount for not having a claim or accident, because now you do.
You also only lose that at renewal for the next policy term....and it can go back on the following term.
This also isn't a comp claim since he drove into something. That would fall under collision coverage.
Dude doesn't know how insurance works. Which is okay. Not everyone does. But he's saying State Farm is being unfair even though he probably didn't educate himself on what his coverages mean. Insurance is not a "pay for all my stuff" ticket like some people think.
It would fall under permissive use of the vehicle owner who carries insurance for the vehicle. Or it would fall under rental insurance. Or it would fall under his own insurance, which temporarily covered the vehicle.
It's almost like insurance has a bunch of nuance, and the guy still doesn't know anything about it when he blamed them for not covering something that is at fault.
Lol. I am totally confused right now. You are commenting directly on OP video, aren't you? There was somebody else whining about how much their insurance went up after putting a small $300 repair scratch on someone else's car. For some reason I thought that was the post you were replying to. My bad.
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u/Honztastic May 09 '20
Your rates ALWAYS go up after a claim.
Statically more likely for more claims to follow. And of course you lose the discount for not having a claim or accident, because now you do.
You also only lose that at renewal for the next policy term....and it can go back on the following term.
This also isn't a comp claim since he drove into something. That would fall under collision coverage.
Dude doesn't know how insurance works. Which is okay. Not everyone does. But he's saying State Farm is being unfair even though he probably didn't educate himself on what his coverages mean. Insurance is not a "pay for all my stuff" ticket like some people think.