Another insurance question. Whose insurance covers this?

HImom
Tue, 12 Aug 2014 20:58:36 +0000

I’d check to see whether your policy premiums would go up and by how much to decide whether to fix the damage myself and NOT have a claim or go ahead and let insurance pay for repairs minus the deductible. For our insurer, premiums went up a shocking amount for any claims, so we prefer to only use it with HIGH damages which justify the increased premiums for 3 years.