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Author: NoIDAtAll Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 17921  
Subject: Re: Well, it figures :) Date: 12/9/2013 11:37 PM
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is this the sort of thing that causes rates to jump?


Two weeks later, a branch falls from a tree while I'm driving down the road. Small branch, fortunately, no one was hurt.

In all sincerity, if that is what happened, and you don't have "1st accident forgiveness" or "payment threshold forgiveness" that will be considered a chargeable accident, the same as if you strike a pothole in the street. If so, you're, on average, looking at around a 20% increase in premiums on the insured vehicle's premium the next 3 years, and more than double that, if you should claim another chargeable accident during the 3-yr experience period...

That is a, pretty bad, close to worse case scenario, but I have seen it happen.

Generally, I pay stuff I can afford out of my pocket, keep the lowest rates I can, carry the highest Liability coverage I can afford and use insurance for really serious claims - like the 3 minor pedestrians I've struck in 2 accidents I couldn't have avoided, but, in them, learned that, when you strike a minor, Jesus can be at fault, but you're still at fault Their parents/guardians can sue you every year until they reach majority, then they get 2 years to sue you in their own right, as that is the first time that they reach legal capacity to sue.

Hail/wind storms are "Acts of God" - Striking an object while you're driving is another matter. Even though you may only be charged with, more, or less, than 50% negligence, you still *can* be surcharged, or lose an "Accident/Claim Free" discount for the incident, if it's claimed.


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