Had a small fender bender and have to replace my lower rear bumper cover . Any suggestions ?
I have seen cases where that happens even if you have no at faults prior. Some people I know with State Farm reported this to be true, causing me to believe its industry wide.Why would the OP have to be worried at all? The person who hit the OP is at fault per the last reply. So the OP's insurance is not paying a dime for the repairs.
I would have to say there is much more to the story from the people you know concerning State Farm. I've been insured with State Farm since about 1998. I have never been surcharged or have had my rates affected by a not at fault wreck. Nor has my wife. With my Ford Focus which ended up being totaled out by State Farm after I hit a deer, I had a not a fault wreck where some idiot woman paying more attention to her cell phone hit me head on. Caused about $3k in damage. The funny thing was she was also insured by State Farm. I had a comprehensive claim where I hit some animal going about 70 MPH on a highway which caused a few hundred to a thousand dollars in damage. And on the same car, I had that deer strike which damaged the front end of my car. Due to the age and mileage of the Focus, State Farm decided to total out the car. Cut me a check for about $5300. Not once did my rates go up.I have seen cases where that happens even if you have no at faults prior. Some people I know with State Farm reported this to be true, causing me to believe its industry wide.