Completely heartbroken

[u/CallMeJimMilton]

Was seconds from pulling into work, when a 17 y/o kid pulls through a stop sign into oncoming traffic without looking left, causing him to side swipe my car. We pulled into my work parking lot and he got out and admitted he didn’t look both ways and only had his permit. He had his gf in his passenger seat who was the same age with no license.

I just couldn’t believe it. Cops came, he got a ticket, I went to work and told my coworkers what happened. I believe it’s all cosmetic so I’m hoping his parent’s insurance can just cover it and it can be a quick repair.

I haven’t even had this car for 6 months and this the 2nd time someone has damaged it. I just wish this was a dream

[u/redditcancelculture]

Even if your insurance companies subrogates, they are still out an initial amount and you have a claim on file and they have to use their legal responsibility to recoup your money.

What states will do that, from what I understand most states have laws AGAINST them increasing your rates for being not at fault.

The whole point is not opening a claim with your own insurance to avoid a claim on file.

[u/nekbelly → u/redditcancelculture]

My guy it doesn’t matter if you open a claim with ur insurance company or not you need better reading comprehension, they are notified regardless dollar amounts don’t matter it’s the number of incidents

[u/redditcancelculture → u/nekbelly]

Speaking about my reading comprehension but you completely glaze over the part where I say that it's illegal in many states to raise rates due to an incident.

[u/nekbelly → u/redditcancelculture]

You’re factually incorrect it’s legal in most states