Unfortunately, my policy very specifically has a $500 deductible for comprehensive. So I’ll have to eat that. I’ve taken it in for repairs, Geico seemed pretty good with the details and gave me an included rental car as well, so it wasn’t as much of an inconvenience as I thought.
Currently licensed for Colorado, worked for GEICO last year–Comp claims will not raise your premium. Will not*. That includes weather damage, theft, vandalism, fire, and hitting an animal. However, swerving to avoid an animal and hitting a telephone pole is Collision, so hit the squirrel.
*If you start sending in a whole lot of claims they may refuse coverage at some point.
Come (back) to the Dark Side, Tveblen. The Lord High Chief Actuary has requested a meeting…
-Cem
Oy! I don’t think cars in Pompano Beach, Florida have boots, cobber. Right, then. Carry on.
Sorry, just taking the piss.
I feel for you. My (now ex) girlfriend had this happen a few weeks ago. Came out in the morning to find that the drunken frat boy party across the street had jumped up and down on her hood the night before. What asshats.
In her case, it wasn’t too bad, and I even offered to pound it out myself (although, I suppose the train has sailed on that one. Tough break, dear.) to save her the money. It was an old car, so it doesn’t really matter how it looks. It just rattled a lot, which was annoying.
You’re right of course. And if I’m really worried about my insurance rates, perhaps I should also stop driving on the left 
Well, I live in an apartment complex, so the vandals would’ve had to know that the chances of them getting the “right” car were lessened. I guess my car could’ve very well resembled one owned by the person referenced, but I’m not sure. I guess they could’ve thought that the target would walk by at some point (one of the most reasonable theories there is, assuming there’s sense to be made out of all this), but obviously I’ll never know for sure.