Backed my car into a pole, insurance about to renew in 1 month….should I wait until after renewal????

7 responses to “Backed my car into a pole, insurance about to renew in 1 month….should I wait until after renewal????”

1. 
   Pilgrim

   March 22, 2011 at 8:32 pm | Permalink

   Yeah. Wait.

   Unless someone else was involved or there was a police report.

   Otherwise, wait.
   .

2. 
   frieddillpickles

   March 22, 2011 at 9:18 pm | Permalink

   you must be honest even if it hurts your wallet and driving record. Why do you think rates are high–yes from people being dishonest………………….

3. 
   oklatom

   March 22, 2011 at 9:25 pm | Permalink

   Will they even cover it? Unless you have collision on the policy, they won’t since it was your fault. If you do have collision, go ahead and report it now and get it fixed, never lie to the insurance. They will fix it, less your deductible if any. I doubt one claim will raise your rates.

4. 
   Fred C

   March 22, 2011 at 9:29 pm | Permalink

   Can you say “fraud”? Well, golly, gee, you already did! If you go in next month, and say it just happened, they will look at the marks, see rust, and the effects of time on the damaged paint, and they will know. And yes, there is that little matter of a quote on record. Take it from me, I am an insurance broker, and I have seen people caught before. A little lie is enough to totally disquality a claim that would otherwise have been paid, even if they don’t pursue charges.

5. 
   rp

   March 22, 2011 at 10:00 pm | Permalink

   most likely it states in your policy that you need to report a claim in a timely manner, and since your insurance renews in 1 month, your carrier has probably already started the renewal process usually 30-45 prior to the renewal date and most carrier do not add violations during a renewal term, so I would say you are safe, but you do need to look at the cost of repair vs cost of insurance increase.

6. 
   la428282

   March 22, 2011 at 10:04 pm | Permalink

   Sweetie- you say “or they will get me with insurance fraud or something”… its not something…WHAT YOU ARE ATTEMPTING TO COMMIT IS INSURANCE FRAUD!

   Sure, you might get away with.. but one slip up…. one little spot of rust that shows the damage is old…and you are going to be facing alot more then a raised quote on insurance. Can you say, legal consequences and denied claims!

   I cant believe youd even consider it!

7. 
   ucantcme

   March 22, 2011 at 11:02 pm | Permalink

   SAME QUESTION AGAIN…………SAME ANSWER AGAIN

   THIS IS CALLED INSURANCE FRAUD AND YOU COULD FACE JAIL TIME AS WELL AS A STIFF FINE.