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Discussion Starter · #1 ·
Love my insight a lot but I think me and her have some bad luck together.

Jan 2020
Raccoon ran out on the highway and i hit it going 70 caused 5000 in damages
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End of June 2020
I was going under a bridge and part of the bridge road fell and busted in front of my car caused 2700 in damages
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July 2020
Just get my car back and a week later a deer rans into my car caused 7500 in damages.
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Luckily no one was hurt during all 3 times sadly the Raccoon and Deer did not make it tho.
 

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Discussion Starter · #3 ·
Nope they did not total it out.. They repaired it but i feel like if one more thing happens they will most likely total it.
 

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Wow, a lot of front end incidents. Did it have any effect on the Honda Sensing systems / responsiveness? I assume the radar had to be recalibrated with each repair?

And just curious... but has your insurance rate been impacted by these claims against the comprehensive coverage?
 

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In NJ, none of those accidents would affect my insurance rate. They're all comprehensive claims. My wife and I have hit enough deer to know this.
 

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In NJ, none of those accidents would affect my insurance rate. They're all comprehensive claims. My wife and I have hit enough deer to know this.
I think rate impact from comprehensive claims varies by insurance carrier, and depending on number of incidents.

Progressive's site says "we won’t charge you for comprehensive claims under $500 unless it happens multiple times." And an older NBC News article mentioned the average/typical rate increase is 2% if/when it occurs, while an article by the Balance mentioned $500 rate increase for multiple comprehensive claims.

Since insurance rates are based on managing cost/risk, was wondering how OP fared in this given 3 claims in 2020 (so far?).
 

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You are correct! The insurance carrier I worked for considered comprehensive claims as a non-chargeable offense/loss and did not consider rate increases on the comprehensive portion of your policy. It became an issue when a policy began to have multiple comp claims of a similar nature in over a certain period of time. One example is if a person has multiple vandalism/theft claims. We had to look into whether the person lives in a high-crime area and/or if there was a loan history problem on the current vehicle. I had number of bad loan history claims I inspected over the years. Owners setting fires to their car or filing false vandalism/theft claims, such as reporting sets of high dollar wheels and tires stolen when they simply took them off and hid them. These types of claims generally occur during holiday seasons when cash is needed to purchase gifts, etc. A claim rep and a damage adjuster generally don't settle these types of claims very quickly.
 
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Discussion Starter · #9 ·
I have state farms and my rates didn't go off. When I hit the raccoon they had to replace the sensor in front
 

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I think rate impact from comprehensive claims varies by insurance carrier, and depending on number of incidents.

Progressive's site says "we won’t charge you for comprehensive claims under $500 unless it happens multiple times." And an older NBC News article mentioned the average/typical rate increase is 2% if/when it occurs, while an article by the Balance mentioned $500 rate increase for multiple comprehensive claims.

Since insurance rates are based on managing cost/risk, was wondering how OP fared in this given 3 claims in 2020 (so far?).
My wife and I had five deer vs. car accidents and she was rear-ended twice - all in the span of two years. I am a long-time policy holder with State Farm (20+ years). Other than a windshield or two, those were the only claims we ever filed. Anyone can have a string of bad luck. The deer hits were estimated at between $1800 and $3000 each to repair. Being a loyal, long-time customer has its benefits when it come to how insurance underwriters view you.
 

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Jeez that's nuts. Makes me want to go out deer hunting in my area, lol.
 

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Jeez that's nuts. Makes me want to go out deer hunting in my area, lol.
My brother is an avid hunter. According to him, there is bow season, shotgun season, muzzle-loader season and... truck season!
 

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How well does the paint-work match the factory finish? That’s always my concern after an accident that requires body work.
 

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Dude that's awful! Your insurance company has to hate you fyi...lol

My parents hit a deer with their accord years ago on their way to see me in the hospital after I got a major concussion skiing...that was one heck of a night...
 
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