Anyone had to make a claim on their business insurance for detailing?

Nth Degree

Nth Degree

New member
Another thread made me wonder; has anyone had, or know someone who has had a claim on their insurance for detailing? I know there are a lot of weekend warriors and other sort of part timers who go without. I figure it might be a good opportunity to warn them of the risks they are taking and what can actually happen. In the wake of Hurricane Sandy I figure there might be a few who have a recent experience that they can share.
 
Rule of thumb......



Don't make a claim unless you REALLY need to. I would suggest that the damage needs to be 3 or 4 times (atleast) your deductible for it to be worth it in the big end. When your rates go up, they don't go back down unless you switch companies, but the claim is still on your record.
 
I live by insurance is for accidents you truly can not afford.



David Fermani said:
Rule of thumb......



Don't make a claim unless you REALLY need to. I would suggest that the damage needs to be 3 or 4 times (atleast) your deductible for it to be worth it in the big end. When your rates go up, they don't go back down unless you switch companies, but the claim is still on your record.
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David, Jean, I could not agree more.

I hope that every professional detailer reads your true and honest advice and remembers it should the situation may come up.

Grumpy
 
David Fermani said:
Rule of thumb......



Don't make a claim unless you REALLY need to. I would suggest that the damage needs to be 3 or 4 times (atleast) your deductible for it to be worth it in the big end. When your rates go up, they don't go back down unless you switch companies, but the claim is still on your record.
Click to expand...



Pretty much. We have a $1000 deductible and wouldn't even dream of making a claim unless it was for minimum $3k-$5k. Insurance isn't for minor incidents
 
I have not had to make a claim. It is my understanding that your policy adjusts each year based on your payroll and on your sales figures. It is not directly tied to claims like an auto policy. I pick up customer cars all the time so insurance is a must.
 
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