In minor fender bender with an impatient driver who tried to steal a parking space I was already backing into. Slow motion roll, new plastic bumper cover and paint is all that's really needed. TIJ so I have to share some of the blame, likely 30/70. Repair estimates are very similar. My insurance agent is asking if I would like to use insurance to cover repairs. She literally showed me what the next 3 years premiums would be If I used the insurance. (the increase is about 50% more than the repairs themselves) Would seem to make more sense if I paid out of pocket for repairs but with no tickets or reports on my driving record, what would stop me from simply changing insurance companies once this year's coverage is up? (to avoid the increase) Is there some shared insurance use database all the insurance companies have access to?
by IVEffed