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Old 10-30-2004, 11:14 PM   #1
latinskllz
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Default Auto Insurance Question:

I am shopping for new car insurance. My policy expires 11/2 and have a few questions.

I have been under my parents insurance since I've owned the car. Progressive asks me if I have made any claims in the past 35 months. In 2002, I lost control of the car and hit a guard rail. Therefore, we made a claim. Will the insurance company be able to see this claim if it was under my parents insurance to which I am a driver on? Since I am shopping for auto insurance just for myself, do I need to include this claim if it was under my dad's policy?

I am having trouble answering this question. How are claims recorded and what can the insurance company you are looking to get insured by does it see?
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Old 10-30-2004, 11:26 PM   #2
CM Redneck
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I do not know anything about auto insurance considering I do not have a license yet (January 6th). But I believe you might want to include your age. That might help a bit. Just an idea.
Rich
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Old 10-30-2004, 11:36 PM   #3
balajc
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even if the insurance company could not (for whatver reason) find out about that claim, but they will know you did have an accident from the DMV files (unless an accident report was not filed)
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Old 10-30-2004, 11:39 PM   #4
siopao2000
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i was with geico under my parents policy, and when i bought my car i went to state farm since they had a cheaper rate. they knew my whole record from geico, and for some reason they knew my brother's record also.
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Old 10-30-2004, 11:48 PM   #5
balajc
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Oh trust me, they can find out...afterall they do work with each other...

I think it is called "CLUE" or something...it is like a network of claim history

Quote:
Originally Posted by siopao2000
i was with geico under my parents policy, and when i bought my car i went to state farm since they had a cheaper rate. they knew my whole record from geico, and for some reason they knew my brother's record also.
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Old 10-30-2004, 11:56 PM   #6
munkis
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yes, either way they are going to find out, its in the insurance instiutes data base under your DL number if you made a claim, im sure it was over 500 bucks so its defintly a chargable accident.

1 claim shouldnt bother your rates too much, tell them, dont tell them, when they process your quote they will find out either way.

Jay
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Old 10-31-2004, 12:00 AM   #7
latinskllz
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well the claim happened on 12/24/01 and it was not reported as an accident since no police officer showed up. Of course i filed the claim and the type of loss was a Collision to the Front.

Is that considered as Accident - At Fault ?
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Old 10-31-2004, 12:07 AM   #8
sonicsuby
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Accidents are supposed to fall off your DMV record after 3 years (at least in CA), meaning you're coming up on a clear record. If you renew now, you'll get charged for that accident until your next renewal.

Oh, and do NOT go with Progressive. If you happen to wreck again, they will screw you. Progressive is horrible.
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Old 10-31-2004, 12:13 AM   #9
munkis
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Quote:
Originally Posted by latinskllz
well the claim happened on 12/24/01 and it was not reported as an accident since no police officer showed up. Of course i filed the claim and the type of loss was a Collision to the Front.

Is that considered as Accident - At Fault ?
everything within the past 5 years will usually show up. depending on your state laws, most are any accident with in the last 36 months are chargable.

if yoru insurance company paid more than 500 bucks to fix the car it will show up, and yes it will be an at fault accident.

you can fill out the quote form however you want, the more specific you are the more accurate your quote will be. Once they run your driving history they will reavalute the quote and make the neccasary adjustments to the premium.

why not just get a plan with geico?

Jay
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Old 10-31-2004, 12:47 AM   #10
latinskllz
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trying geico right now
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Old 10-31-2004, 01:03 AM   #11
Ugly
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When they run the Choicepoint report they will see ya driving history.

Choicepoint sucks, I know ive been battling them for months cause their claiming I was at fault for a $10,000 accident, even though my insurance company has e-mailed, faxed, called, and informed them I wasn't.
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Old 10-31-2004, 01:24 AM   #12
Uncle Scotty
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I got fookt once when I changed insurance.....it was exactly 3 years TO THE DAY since I had had a hit and run in the parking lot at work(forgot about it, even).....and the person on the phone wouldn't let me just call her back the following day....WAPCE....and let that one day 'go'.....

SOOOoooo instead of ~$700/6 months....it was $1100/6 months....

beotch.
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Old 10-31-2004, 01:44 AM   #13
Ugly
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IIRC Progressive purposely only holds incidents again you for 35 months, just for that reason.
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Old 10-31-2004, 01:09 AM   #14
balajc
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I have progressive and I can tell you for sure they hold all accidents/tickets for 39 month against you (and they even use the date when you are convicted of the ticket, not the date the offense happened)

Quote:
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IIRC Progressive purposely only holds incidents again you for 35 months, just for that reason.
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Old 10-31-2004, 01:15 AM   #15
Ugly
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really? ouch. I used to have them. I thought thats what they did. My bad.

I'm with AIG now anywho
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