Unfortunately, both “accidents” are at my fault. Fortunately, I didn’t hurt anyone or damage anything. I have bought this collision policy from my dealership at my car purchase. If I file an insurance claim and bring my car to their shop, I don’t pay for my deductible because they got my business. …

Yes, filing two claims w/in one year for accidents that were your fault will lead to an increase in your insurance rates–as it should. Somebody has to pay for the repairs, and…Why should other drivers subsidize your lack of skill behind the wheel?

I think the OP is trying to say they have full coverage with an actual auto insurance co. and a repair policy for the dealership’s collision repair shop. If that is correct the actual insurance is going to be notified when they do the repair . As for assuming no more at fault accidents, I think we c…

Wait…you have two separate policies? Meaning a regular one–with, say the “lizard” or the “big hair lady”–that covers everything (less $1500 deductible), and a second–through the new car dealer–that covers the first $1500? Am I right so far? And your question is should you: File through both comp…

Two separate car insurance policies? I have never heard of this concept previously.

The OP may have what is called GAP Insurance. But 1500.00 dollar deductible?

"But 1500.00 dollar deductible? " Admittedly, a deductible that high is a bit unusual, but it is not unheard of. In my case, because my last accident was 43 years ago, I think that it is a decent gamble on my part to save some money every year on my coverage by upping my collision deductible to $1…

I believe feeling the pain of paying $3000 out-of-pocket is the best course. It will be a stinging reminder to be a more diligent driver, and have no effect on your insurance rates.

First of all you said that in your first accident you didn’t damage anything. Then why did you need to report it? You pay for insurance to use when you have car accidents. If you don’t use it, you are throwing away that money. File your 2nd claim. If your rate goes up to a rate you don’t think…

I have one insurance and one policy from dealership. The deductible is for the insurance. I will give you an example. the estimated cost for repair = 2000 deductible = 1500 If I file a claim to my insurance company, I will pay 1500 and the insurance will pay 500. If I go to the auto repair shop…

If I file two insurance claims within a year, would my rate skyrocket?

Maintenance/Repairs

insightful December 2, 2014, 5:30am 10

“If your rate goes up to a rate you don’t think you can afford you can shop around for another insurer.”

I doubt that will work. All the insurance companies share driver claim data.

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If I file two insurance claims within a year, would my rate skyrocket?

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