car stolen, reported as cliam

intbuz · #1 03-20-2007, 03:48 PM

What is the name of your state? Arizona
Hi, my car was stolen (in 2005) and it was found 2 days later (and damaged).
My insurance company totaled the car. Now I am shopping for insurance quote and found out that it was reported as comprehensive claim in my records. Because of this I am not able to get a good quote on my insurance, as this claim (stolen car) is not my fault can some one Pls advise how I can get this claim out from my record?

ecmst12 · #2 03-20-2007, 04:16 PM

You can't. You filed the claim, now it's there. Even though it's not your fault, it still increases your risk probability and therefore new quotes are going to be higher. You may be best off staying with your current insurer.

Oh in most states, claims stay on your record for 3 years. So, in another year it will be gone.

moburkes · #3 03-20-2007, 04:42 PM

Comprehensive claims don't affect your driving record unless you have many. That is NOT the reason why you are considered high risk. Credit, driving record, number of claims, whether or not you are currently insured, etc. make you high risk. However, the claim was valid. If you didn't want them to repair/replace your vehicle, then you shouldn't have filed the claim.