So a drunk drive ran into my fence. Since it isn't my fault my insurance can't raise the cost if I report it to them and have them pay for the repairs right?
>>16559317
Get the paperwork for your insurance plan.
I think normally the person who did the damage has to have their insurance pay for it.
>>16559326
There's no way they will raise your homeowner's rates based on that.
>>16559326
Idk who it was it happened when I wasn't home
>>16559317
Only if you identify the driver and accurately report the circumstances.
>>16559330
Insurance companies are crazy
My friend's had a rare condition and wanted surgery and since the condition was rare it was classified as an experimental surgery they wouldn't pay for it
>>16559331
Then you're screwed. See if there's a police report you can access. Even just the report number may do.
Otherwise you have to pay the deductible and likely see a premium rise next year.
>>16559335
It was actually more expensive for the meds than the surgery but since he was old it wasn't worth the money
>>16559340
It wouldnt be too much work to do myself would probably be cheaper too
>>16559340
But if it isn't my fault are they allowed to raise the premium?
>>16559340
That doesn't happen. Insurance companies may view vehicle to vehicle accidents as a sign that you are more risky even if fault was assigned to the other driver, but this is damage to a fence.
>>16559354
>>16559351
So yes or no?
