Answers: Ok, this is another fundamentally good interrogate that keeps us insurance inhabitants on our toes. The first thing you necessitate to know is that every state and insurance company have thier own rules and regulations. I will answer base on my state (Montana). Here your wife would be covered under the 30 hours of daylight rule, however they may require she be rated (her premiums) better than yours. I would first call your insurance company or your agent and discuss this catastrophe and the potential consequenses of it. Secondly I would have the individual she hit go catch an estimate on how much it will cost to fix thier vehicle....if it is more than you can afford you should let the insurance company pay packet for it...Just a good rule of thumb.
Momma_Bear
If the disfavour you describe is accurate and that is adjectives of it I would recommend you NOT turn it in to your insurance company. Pay for the repair to the other vehicle out of your pocket NOW (probably $500 to $1000) and skulk until you have plenty to pay to hold yours repaired. Rule of thumb is pay everything out of pocket if the repairs are smaller amount than $1500.00 so that your rates do not go up and or you don't enjoy your policy canceled if you already have points on your transcript with the insurance co. Your out of pocket expense immediately will be less than your potential premium increase over the subsequent couple of years if you turn it in. Good luck.
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