Does a single event involving two vehicles count as one claim or multiple claims?

My mother borrowed my car last weekend and hit a parked car in a lot. She’s old and doesn’t have her own car, so it will go on my insurance. The owner of the damaged car has already filed with my insurance company and that is going forward, apparently as a claim against my property damage coverage.

The adjuster asked me, though, if I want to make a claim on my collision coverage for the damage to my own vehicle. I already expect that I’ll see a sharp increase in premiums on my renewal next month just from the other driver’s damage. If I also have my own damage repaired, will that count as a second claim despite being from the same event? If they will punish me for one claim, they will likely brutalize me for two.

Not sure how to proceed here since the damage, while bad, doesn’t impact the use of the car, just scrapes and dents on one side. I would like to get it fixed, but not if my insurance company will bleed me dry for it for years to come. Never having had an accident myself I’m open to any advice those more experienced might have to offer.

submitted by /u/http_401
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Paying renters insurance at a place I no longer live

Recently I was convinced to create a budget for myself, something I have ignorantly not done for my entire adult life. After checking my payment history I learned I have been paying renters insurance each month for a place I haven’t lived at for nearly a year.

I contacted the insurance company (Allstate) and they said they could only refund me for last month even with proof of not living there for the last year. I was curious if there was anything more I could do to get my money back.

submitted by /u/Failbot7000
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Slow car fast–am I paying for my smiles per gallons with my miles per gallon?

I noticed that on the GTI I’d be getting 3 MPG over the EPA combined estimate but on the Mazda3 I’m getting 3 under the EPA combined estimate.

I can short-shift the GTI under 3K RPM and still feel fast enough, but with the Mazda3, I’m taking it to 4K RPM, dropping down to 4th gear to pass on the highway, etc.

What’s been your MPG story?

submitted by /u/opus666
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False claim made against me

I just received a call from my insurance company saying someone filed a claim that I hit their parked car a little more than a week ago. I have no memory of this, and informed my insurance of this. They stated they were going to follow up with the other insurance to review the claim.

I have a scrape on my car from about 2 years ago when I pulled out too fast from a parking garage and hit the pole. I don’t have any proof it was from before last week. I have witnesses that have seen the scrape, but no picture evidence. I’m concerned the claim is going to include this scrape.

I’m still waiting to hear back for more information from my insurance company, but any advice? I’m nauseous at the idea I may have bumped someone and not even noticed.

Any advice or input is much appreciated.


submitted by /u/mayorcraig
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