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Old 11-04-2008, 05:11 PM
13 posts, read 48,839 times
Reputation: 17


Junior was hit by a left turning car .She is okay but the other driver just drove off:hit and run.Reported to police.My daughter is newly insured with $500 deductible for a hit and run accident (Geico).
Her car is drivable ,just fender bender(driver side front fender), all lights still work,airbags not deployed .
She is new to this area .Went to Conn's Collision repair quoted her $1700 for repair.$600 parts+900 dollar labor
Any other suggestion?
Would the Oxmoor group collision center ,dealer for her car be better?
Would she be facing a steep increase in insurance premium next year?if she claims insurance this time.
Many thanks for your local advice.
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Old 11-04-2008, 06:38 PM
Location: U.S.
5,764 posts, read 6,482,705 times
Reputation: 3314
Default Insurance is for ???

You should check with your insurance and see if you are covered with uninsured or under insured. With a police report, esp. with a hit/run, your insurance company may let you file a uninsured claim which may be lower than your $500 deductible.

Let's just say all your deductibles are at $500 and you make a claim and pay the $500 while the insurance company picks up the rest of the $1200 tab. Assuming that the car is not brand new, having the insurance company pay the $1200 is the better idea since it'll take years to equal a rise in premiums for making one claim.
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