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maybe true 20 years ago, but everything impacts you nowadays

Posted on: April 11, 2025 at 10:07:03 CT
Joeboo MU
Posts:
158352
Member For:
21.52 yrs
Level:
User
M.O.B. Votes:
10
a tow claim will raise your rate with many companies nowadays. Events have different severities of how much they impact your rates, but everything is considered

Severity of premium change from least to most
- Roadside Service claim
- Comprehensive claim (storms, animals, vandalism)
- Not-at-Fault collision claims (someone hit&runs ya)
- At-Fault collision claims

Its all figured in anymore, the rating models are pretty complicated nowadays.
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So our chocolate lab got hit by a car on 63 HWY - TigerJay MU - 4/11 09:27:10
     It sucks but you are responsible - JG A - 4/11 13:02:49
     Call your insurance and see if your homeowners policy - tigertix MU - 4/11 11:34:12
     We used to live near 63 - XRob MU - 4/11 11:16:53
     Get damages? - Wildcat KSU - 4/11 10:39:41
     Sorry man. You must think of the dog and its suffering (nm) - hefeweizen MU - 4/11 10:23:50
          wut(nm) - CulturedDan MU - 4/11 10:24:51
               Putting the dog down. As far as damages to the car, - hefeweizen MU - 4/11 10:26:20
                    dog ded(nm) - CulturedDan MU - 4/11 10:34:30
     Sorry to hear that. Tough one. (nm) - Tigrrrr! MU - 4/11 09:56:24
          the lab was brown, you should be happy- reino(nm) - Fire Marshall Bill STL - 4/11 10:01:07
               RE: the lab was brown, you should be happy- reino(nm) - Joeboo MU - 4/11 10:08:57
                    Yerrow rab most tasty---Tboner(nm) - hefeweizen MU - 4/11 10:24:59
                         Oh snap (nm) - Tigrrrr! MU - 4/11 11:08:16
                              Szechuan Schnauzer is where it's at. - Tigrrrr! MU - 4/11 11:09:27
     Very sorry, that is terrible (nm) - FIJItiger MU - 4/11 09:54:36
     that's terrible, so sorry(nm) - cnk MU - 4/11 09:51:33
     Sorry for your loss, horrible (nm) - TheWildcat MU - 4/11 09:49:14
     I carry farm liability insurance to cover just such an - BH O'bonga MU - 4/11 09:46:22
          Yeah I've had it happen with clients dogs, cows, horses - Joeboo MU - 4/11 09:50:13
               If they would have just played it off as a Coyote - playhard KC - 4/11 09:55:09
                    you mean, if they lied and commited insurance fraud would it - cnk MU - 4/11 09:56:32
                         What Joeboo doesn't know won't hurt him(nm) - playhard KC - 4/11 09:59:17
                         And take a claim on their own insurance instead of - kmawv8 MU - 4/11 09:58:33
                              I didn't think "act of god" claims typically raised your - playhard KC - 4/11 10:02:54
                                   maybe true 20 years ago, but everything impacts you nowadays - Joeboo MU - 4/11 10:07:03
                                        wait, so using AAA for a tow/flat/battery/whatever - TiGertim MU - 4/11 10:15:36
                                             no, stand-alone service like AAA isn't an insurance claim - Joeboo MU - 4/11 10:17:11
                                                  ah. makes sense. THanks. nm - TiGertim MU - 4/11 10:19:05
                                        Fortunately, i've not had to submit an insurance claim - playhard KC - 4/11 10:11:47
               Same with hippos(nm) - FIJItiger MU - 4/11 09:53:51
               You don't say. Who would have guessed it?(nm) - DHighlander NWMSU - 4/11 09:52:59
     info from the largest auto insurer in the US - Joeboo MU - 4/11 09:39:29
     sorry to hear that, but when I started to read this - CulturedDan MU - 4/11 09:39:21
          A mobile confectionary factory - kmawv8 MU - 4/11 09:40:53
               not mobile any longer - TigerA MU - 4/11 09:43:25
                    oh man - kmawv8 MU - 4/11 09:46:00
                    But it had to be done and I thank you for your bravery(nm) - CulturedDan MU - 4/11 09:44:25
                         TigerA is the best of us - cnk MU - 4/11 09:51:22
               I assumed it was a road-side building(nm) - CulturedDan MU - 4/11 09:41:46
     that honestly sucks and I"m sorry but i do see their - TigerA MU - 4/11 09:32:13
     First of all, sorry for your loss. That's awful. - kmawv8 MU - 4/11 09:31:13
          I ran over somebody's dog years ago - Missiurifarmboy - 4/11 10:28:45
          I think i agree....but they left the scene. - TigerJay MU - 4/11 09:32:33
               If they left the scene how did they know it was your dog? - Carlos Rossi STL - 4/11 09:36:25
                    I'm guessing they called local vets to find out. - TigerJay MU - 4/11 10:16:14
                    Someone reached out to vets to inquire about - kmawv8 MU - 4/11 09:37:52
               Do you know how long they stayed there? - kmawv8 MU - 4/11 09:35:28
                    Apparently they kept driving. Never stopped. a good - TigerJay MU - 4/11 10:15:46
               they probably didn't konw the extent of the damage if they - TigerA MU - 4/11 09:33:05
                    Right...then how do we know the damage was for our dog? - TigerJay MU - 4/11 09:35:25
                         good question. very ****ty deal(nm) - TigerA MU - 4/11 09:36:04
     damn, sorry to hear that man(nm) - Fire Marshall Bill STL - 4/11 09:29:13




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