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Old 11-29-2010, 03:15 AM   #53
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Join Date: Aug 2006
Location: VA
Posts: 13,119
My Ride: E60M
Originally Posted by Avet4 View Post
Is there any reason to not file a no-fault claim? This includes hit-n-runs in parking lots, potholes, or even vandalism like slashed tire's, stolen rims, stolen stereo, or car getting keyed.

My family thinks the more claims you make the more the insurance company can hold that over your head in the future. They'll say stuff like "it's not worth filing a claim for something so small" even if it's above our deductible.

I think they're worried that eventually if we have a big claim the insurance company will give us a harder time because of many previous small ones.
Eh, yes and no... There's no real harm in it, that I know of. I don't deal with underwriting, though, so I don't know if a pure number of claims is going to hurt you or not.

I know that when I write a claim, from the claim number itself I can tell how long you've been a customer and how many claims you've had. But does it impact how I deal with the person? No.
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