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If you are parked in a lot and a kid damages your car by crashing into it with a skateboard will your insurance premium go up if you report it considering the parent does not want to pay for damages.?
Wiki User
∙ 17y ago
Insurance laws differ in most states and practices will differ by company but generally, your car is legally parked and it is hit by something moving or vandalized, most companies will not increase your premium. The repairs would be subject to your deductible. Companies will increase premiums when you are At Fault in an accident and the amount paid out exceeds an established threshold. There are exceptions to this. Some companies will give a "first accident" forgiveness if you have been with them for a certain length of time. Other companies may give different types of accident relief regarding increases in premiums. Contact your agent. Make sure your insurance agent also knows the name of the kid and his father and any witnesses. The company may want to send a bill or file a lawsuit to recover the payout. If they do, the father will wish he had just paid out-of-pocket for the damage (which probably isn't too much from a skateboard.)
Wiki User
∙ 17y ago
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