Like I said, each case if different and has lots of variables.
Sounds like your working with bad companies. If my client had that happen, thats when I get on the phone with an underwriter and make it right. Thats what an agents for.
That claim by itself will not hurt you. If you have a few more "incidence's" it may.
It is your right NOT to get it fixed. If its a $1000 repair and they pay you $500 it doesn't have to be repaired. That being said. The check may not be made to you. It might be made to the repair shop. It all depends on the company. But to answer your ? That by itself will NOT hurt you. (its under $1000 as well) but too many of those don't look good for you.
1 more thing. Just because someone else had something happen to them doesn't mean you'll be treated the same way. There are SO many variables in auto insurance that each case is different. Get the estimate and we'll deal in facts, not hypotheticals.....
OK...you guys see the numbers on the sides of the police report? That is code for for what the courts look at. You need to have a key to show what each number represents. I just happen to have that key! It may lead to some interesting information.....I'll post it when I can....
Have the party minus the strippers. Make sure you have some porn playing somewhere to satisfy the horny. It makes a great conversion piece during the stag with lots of laughs being heard.
Tell your future wife that out of respect of her you won't have them there (respect for her father/grandfather blah blah blah) but you and a couple friends are owed a trip to Canada.