Need advice from auto ins experts. Is it ever a good idea to pay "Out of Pocket" rather th
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I WOULD NOT RECOMMEND GOING OUT OF POCKET!!! File a claim with Allstate. Due to the simple fact that there was no police report filed, and that the other person can always come back to claim injuries. He was mad when the accident happened. So who's to say, he won't claim injuries. Also if your in an accident, and at fault as long as the damages to your car, and other persons are less than a grand. Your rates should stay the same. If there more then a grand then your rates may go up. If your in an accident, and not at fault the damages can generally be any amt, and your rates will not go up. But if you have a certain number of claims on your record there is always a possibility that they could go up. Allstate is pretty go about not raising rates for minor fender benders. The under writing dept at your insurance company is the only perons, or persons that can determine if your rates will go up, not your agent, or adj. They may be able to tell you what they think. But rates are determined by the underwriting dept..
Need advice from auto ins experts. Is it ever a good idea to pay "Out of Pocket" rather than file a claim?Dont do it!!! As an adjuster I CRINGE when i hear people are trying to handle it out of pocket!
The other party.. no matter how reasonable they seem at teh scene (and in your case.. they dont even seem reasonable) can be a whole other person once they realize they can take advantage of you...
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