Insurance problem

I agree, although I don't know exactly how Underwriters formula's work or are it doesn't make sense to me to file a small claim on insurance. Calling insurance is the last thing on my mind really.

As an insurance adjuster (only been doing it for about 10 months) it's amazing how people just say "call insurance". If there is a pattern of filing claims an adjuster will send a notice to Underwriting to look into a persons claim history. And see if that person is a flight risk.

I don't get it, but I suspect most think of it as them paying insurance each month and they "may as well use it", not thinking of the increase in premium.

 

I personally pay out of pocket if its less than $7500 making low claims will cause rates to go up or cancelled policies I have way to many cars on the policy my spider currently is $861 for 6 months 500/250 $1000 deduct GMAC however they don't write Ferrari unless grandfathered in