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Question about car insurance claims

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ChadTower:

--- Quote from: shmokes on February 22, 2008, 02:19:25 pm ---Oh well, I'll just tell them it happened more recently.  It's no skin off their nose.  They're in no worse position today than they would have been last summer.

--- End quote ---

If they decided it is fraud, and the intent here isn't fraud but lying about the date makes it such... don't you think getting charged with fraud could be problematic later on in your career?  Gotta think long term on this one.

shardian:
Wow, an almost brand new car w/ full coverage and instead of turning it in on insurance, you drive around with a bumper held on with a bungee cord for almost a year? :dizzy: Hey, you had that one coming. ;)

Tell them the truth, minus the date. If they ask for a date, then tell them "last week".

shmokes:
If you have a bumper being held on with a bungee cord that will definitely cost more than $1000 to fix, which you don't have, but you are a good driver who pays for auto insurance, don't you think giving the insurance company the latitude to say, "Oh yeah . . . we're not going to pay for that," is problematic.  I gotta get it fixed.  I am insured.  There is no justifiable reason that my insurance company should not pay for the damage.  I'm not going to give them a reason, however unjustifiable, to refuse to pay the claim.  Seriously, how could I possibly be screwing them in any way?  My insurance has never lapsed. If anything it will cost less to fix today than it would have last summer due to the price of the part coming down (though it's probably exactly the same).  I'm just going to fix my car -- I'm not even going to use the insurance money on something else. 

I would not screw over my insurance company.  Don't you think it's a little bit absurd to give them the opportunity to screw me over if they are likely to take it?

shmokes:

--- Quote from: shardian on February 22, 2008, 02:24:18 pm ---Wow, an almost brand new car w/ full coverage and instead of turning it in on insurance, you drive around with a bumper held on with a bungee cord for almost a year?


--- End quote ---

Well . . . like I said, I assumed it worked like medical insurance premiums.  I figured I couldn't make a claim unless I could meet the deductible.  I couldn't, so I didn't.

hyiu:
hmmm.... I believe when an accident happen, you have 30 days to report to them... that is for physical damage... like if the car is broken, and so on...

you can file for personal damage within like a year... (like you can say you start having headache, and it didn't come up right after the accident)...

since its last June, I think the date for you to claim damage is already expired... (well... check your policy and your state law to confirm...)

but since you have drove for sooo long... when they inspect the car, they might actually see its not a "new wound".... so, be careful....

you don't want to be found lying on a claim....

good luck...

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