Talked with my insurance agent this morning and he was annoyed with the process of nobody having called me back, but pretty adamant that he couldn't do anything about it. Apparently my payout affects his bonus at the end of the year, so being able to have had a discussion about me paying out of pocket would have been good for him too.

Apparently I'll be paying a surcharge of about $161 for the next three years for this accident because the costs are descending. They'll recoup about $450 or so of their immediate payout. Upping a few of my deductibles would only make about $100 worth of difference, so I'm going to pass on that. I'm in the city too often to be paying $250 for each potential broken window or $500 per hit and run.

My credit score is apparently good enough for a 25 year old to recoup about $100 in good credit bonuses. He pointed out the spot on the invoice where I get that credit and said that the only people that don't get the ChoicePoint letter are older couples in their fifties with long debt payment histories and low ratios. That's pretty much what's indicated by insufficient credit cards (not enough to know if I would screw up yet?) and the high revolving account to other accounts.

So lets just say that my experience with claims with Erie Insurance hasn't been stellar, but they don't trumpet that part of their service. They're just really affordable for low-risk claimants.

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