QUESTION
collision insurance or mechanical breakdown insurance?
Asked on Jan 16th, 2012 on Automobile Accidents - Georgia
More details to this question:
I have GEICO. While making a turn I bumped a concrete median. No property damage. But it caused a misalignment and the traction control light stays on. $250 deductible on collision and mechanical breakdown insurance. Should I file a claim for collision or MBI? It needs an alignment because the light is on or because I bumped the curb?
Do I need a police report for something this minor? Will GEICO send an adjuster to look at the damage when there is only mechanical damage?
1 ANSWER
4 Awards
This would be covered under your collision coverage. One question you should ask yourself is whether it is worth having your insurance rates go up. Your rates may go up more than the cost of repairing your car. If you don't report it to your insurance company they won't show it as an accident that is your fault. Plus, if your insurance agent tells you that you must get a police report in order to collect on your insurance, you then run the risk that the police report is shared with the state and you then have an at faut accident on your state record. Obviously, this decision depends upon how much it is going to cost to fix your vehicle. Good Luck
Andy Gillin, Senior Partner
GJEL Accident Attorneys
Answered on Jan 16th, 2012 at 10:02 PM