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My daughters car was hit in a parking lot [View All]

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Horse with no Name Donating Member (1000+ posts) Send PM | Profile | Ignore Sun Mar-01-09 09:35 PM
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My daughters car was hit in a parking lot
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and luckily, the person left his name and number.
She called him and got his insurance info. He happens to go to her university and lives in the same dorm.
Just last week, she got her car out of the shop and had the front bumper replaced because a coyote ran in front of her.
It was around $600 to repair--which we paid out of pocket.
Anyway--I told her to ask the young man to ask his parents how they wanted to handle this. If they wanted to pay the damages out of pocket or have us file with their insurance. The Dad said just to file it.
So I called the insurance companies and went through the entire rigmarole. They told me where to have her take the car to have it adjusted, etc.
So, she calls back and apparently the Mom doesn't want it to be filed because their rates will go up (precisely why WE didn't file the other).
I have no problem doing it this way. I don't want any financial harm coming to anyone because the insurance company will increase their rates and the young man is under 25.
My question is--can this bell be unrung? When I called me, they gave me a claim number, the name of an adjuster, etc.
If we don't take the car to have an estimate or any work done, will his insurance company STILL hike his rates?
Anyone have any experience in this?
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