What costs would I incur if I cancelled my car insurance accident claim?
Saturday, September 26th, 2009 at
12:40 am
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dugthebug asked:
I snapped a coil spring on the front shock absorber of my car as a result of crashing into a speed ramp and the car is no longer drivable. I tried to do the job myself but was unable to do it. I have now made an insurance claim and the insurance companies recommended garage gave me a quote to replace both front shock absorbers which is quite expensive. My no-claims bonus is protected. Since making the insurance claim, I have found a garage that said he could finish the job I started at a reasonable price.I am now thinking I would like to cancel the claim end get my car back unrepaired. Is this advisable and would my insurance premium still be affected at renewal time. Also, as my car wasn’t drivable after the accident and the garage had to collect it from my house and will have to bring it back.
Jeremy
I snapped a coil spring on the front shock absorber of my car as a result of crashing into a speed ramp and the car is no longer drivable. I tried to do the job myself but was unable to do it. I have now made an insurance claim and the insurance companies recommended garage gave me a quote to replace both front shock absorbers which is quite expensive. My no-claims bonus is protected. Since making the insurance claim, I have found a garage that said he could finish the job I started at a reasonable price.I am now thinking I would like to cancel the claim end get my car back unrepaired. Is this advisable and would my insurance premium still be affected at renewal time. Also, as my car wasn’t drivable after the accident and the garage had to collect it from my house and will have to bring it back.
Jeremy
Tagged with: Car Insurance • Insurance • Ramp
Filed under: Insurance & Registration
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Michael
Not sure where you’re located but in most States you have the right to have your auto repaired at any shop of your choice.
But to answer your question about if you should stop your claim? No, unfortunately the claim has been filed and it will go on your CLUE report regardless (if you’re in the US). So at this point I would just let the insurance company take care of the repairs. Now how this will affect you at renewal time is anyone’s guess. Just be ready to shop rates when you get your renewal bill. Who knows it may not be that bad and if your current carrier treated you well with the claim process a little increase in premium might not be that hard to swallow especially if they took good care of you.
Sorry about your mishap, hope everything works out well and good thing no one was hurt. Take care.