Originally Posted by bakken
Why would the OP want his insurance rates to increase when the trash company is willing to pay for damages off the books?
There is nothing wrong with what he is doing.
From what I recount insurance companies generally look at an at fault party before they assess any claim increases.
Having the Insurance company to which the OP pays on a monthly or some sort of regular basis for damage coverage (natural causes, stupid persons runnign into the side, or negligence on the OP's behalf) getting involved as the party who is not at fault in the matter - would 99% assured not increase his insurance unless the State he lives in has no fault insurance of some weird clause.
I took an "I'll pay for the damages" lets not go through insurance because... plea once, never again.
I had to fix my car, waiting for them to pay the shop, then they denied liability, because they failed to report the incident to their insurance company.
I had 15 minutes after the accident reported it to mine. 6 months later I advised my insurance company that I was being yanked around by the at fault party they stepped in. I wnded up with additional claims for hidden damage which was not evident at the time of the impact.
Since the insurance company would see the interaction not as a claim against his policy but in support of his policy against a party.
Smarts means that you don't have to test putting your finger in a light socket to see if you will get a shock - after your brother has just done it.
Stupidity is thinking it somehow will be a different outcome while he is still fealing the pain from doing it just before you try the same.
I'm not calling anyone stupid or smart for that matter, just saying that Lessons Learned from others misfortune may save the OP a heartache or a pain in the ***** later on when it all goes south and the Trash company says hey we fixed it didn't we?
Hate to see the OP not look at all advise, failing to be educated and end up
Essentially what HERK and Wincrasher said while I was typing this entry. Gr8 minds think alike (some say fools seldom differ) 2 sides to every coin.