10-15-2013, 12:14 PM | #1 |
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Hit a curb...need help!
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10-15-2013, 12:28 PM | #2 |
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First off stop driving drunk
I would have the insurance cover that one since its probably 2000$ over your 500$ deductible. You would want to ask your agent how it would effect your policy price in the future. |
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10-15-2013, 12:28 PM | #3 | |
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10-15-2013, 12:48 PM | #5 |
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Tire and wheel protection won't cover curb checking anyway If that's what you told them you did. It's only for road hazards. Go through your insurance
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10-15-2013, 02:15 PM | #6 |
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Let your insurance company handle the whole thing. There's a change they'll find more damage. You'll pay your collision deductible, and that should be it.
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10-15-2013, 02:30 PM | #7 |
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Eh...count me as one on the other side of this...unless you're having insurance pay for more than approx 3k, the jump in your premium over the forseeable future will be more than the one time payout. Especially because this would be viewed as an at fault comprehensive claim. I guess it depends on how long you've had the carrier and whether they will give you "accident forgiveness," but you'll still be viewed as a higher risk by the underwriter. I've read some about this where a 2k claim is viewed the same as a 10k claim when they go to renew your policy, on the other hand, the effect will be different if you look to buy a new policy from a different carrier.
IMO, I'd just pay out of pocket. |
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10-15-2013, 02:48 PM | #8 | |
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I don't think I would pay out of pocket or your insurance is of no use. You need to make these $$$ count. Ask them for a simulation/quote if you processed this claim and you'll see. |
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10-15-2013, 02:54 PM | #9 | |
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2011 335is Black/Oyster. 1 of 46 without moonroof (total of all years): JB4 E50 tune, gone
2013 335i M Sport JB4: Estoril Blue gone 2018 M4 ZCP: current 2023 X3M Comp: current |
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10-15-2013, 03:42 PM | #10 |
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OP: I hope you mean a kerb or is it different in the USA or even more so in Tea Party Country?
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10-15-2013, 03:55 PM | #11 | ||
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10-15-2013, 07:21 PM | #12 |
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Talk to your insurance agent, it does depend on your policy and your insurance company. Some companies will look at your Claim history in its totality, some companies will use accident forgiveness, some companies will have a limit that they have in order not to increase your policy, and some companies would charge you increased premium no matter what.
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10-15-2013, 07:40 PM | #13 | |
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I can't see what the point would be to claim for just $1600 worth of at fault damage to just wheels and tires. So long as it's clear there's no frame/suspension damage, I'd just pay for it myself.
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10-15-2013, 07:43 PM | #14 | |
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As I said, above, I'd just pay myself, but talking with your agent isn't a bad thing to do before actually deciding to file a claim.
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Tony ------------------------------------------------------------------------------------------ '07, e92 335i, Sparkling Graphite, Coral Leather, Aluminum, 6-speed |
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10-16-2013, 07:19 AM | #15 |
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Two wheels were damaged....so a total of $2600 plus car rental fees. Insurance company said my rate would go up 10 percent. So a couple of dollars a month. Ill make them pay for it. If my rate goes up after after filling claim then it should go down for not ever filing a claim....but it doesn't...scammers.
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10-16-2013, 10:04 AM | #16 | |
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10-16-2013, 09:41 PM | #17 | |
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10-16-2013, 10:20 PM | #18 | |
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I'm the polar opposite, when i see someone with a $1000+ a month deductible, i assume the person just wanted lower monthly premiums... But back to the ops question, it really boils down to what the total is for the damages and if your premiums will go up... i can tell you what most people around here do if they have tire / wheel coverage, it involves a nail and some manual labor, lol... jk... |
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10-17-2013, 06:36 AM | #19 |
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Make sure the dealer/shop checks for all damage....I hit a curb a year ago - control arm and 2 wheels/tires replaced.....car went in to dealer for oil change yesterday and they called to tell me it had a bent wheel bearing which then caused the rotor to warp -- $2200 to fix....insurance is going to do a supplemental claim, but it took some "discussions" back and forth as they said I probably just hit a pot hole in the last year sometime.
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10-17-2013, 08:17 AM | #20 | |
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10-17-2013, 02:54 PM | #21 | |
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10-17-2013, 06:29 PM | #22 | |
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