When is it okay to file an insurance claim?

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When is it okay to file an insurance claim?

September 21, 2009 – 12:00 pm – No Comment

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Alright, so speaking from a quite personal experience, I was wondering when all you thought that it would be okay to file an insurance claim. The other day, Chris and I were at the grocery store when we realized that the car next to ours had hit the side hard enough to leave a dent in the side of the car. I, of course, was quite angry (because this is my car ). We filed a police report and I called State Farm about the dent and they said that if I took it to a repair shop it would be $200 due to uninsured motorists and they would cover the rest.

That’s all fine, but I know who damaged my car and I would really like for them to pay the deductible, not me! When it comes to parking lot accidents it seems like it is so easy to get away with damaging someone else’s car. In this case, my car was dented and the other car (no matter if I got their license plate number or not) got away with it without having to pay the uninsured motorist’s deductible.

I just hate that some thug-wannabes were able to scam my insurance company like that. I have told my insurance company about the car that I am SURE did this and they said that because there wasn’t enough “proof” they couldn’t do anything about it. That is complete and utter BS!!

I will promise something to the people who dented my car; If I EVER see your car again, I will do something to your car to where you will KNOW I spotted it and noticed it hanging out in a parking lot where I already was. Revenge is a … well you know.