my guess is that she isnt, or he would have paid up alreadybionicbadger wrote:Is your sister's friend hot?
based on my experience
1. there is no such thing as absolute forgiveness. Sure your insurance dealer can guarantee that your rates wont go up on the first claim (even if you have 10+ yrs of claims-free) but once you have a second one. THE first one will be counted also and then bam...you are out and go straight to jail into facilty insurance.
this is a stupid stupid thread.
first off, her insurance would not go up. If I was her, i would get a second opinion instead of her bone head insurance agent that knows dip sh1t at all. Claim insurance cause it wasnt her fault.
Her quote is probably from a dealer which explains the high$ quote. But of coz, if he didnt pay it, she should have claimed it. She doesnt need to get a second quote period.
And to use the drawing...that's his interpretation. She can alway have one too and say she parked it away from his car and had no idea how he hit her car.
Never get a first claim, it's like a freebie
1st claim = ~25% increase on top of a standard rate. You lose any discount that you received, ie combining home insurance etc
2nd claim = screwed. Your insurance will range from $4k (no comprehensive) to $10K (new car)