I recently bump a curb/median. Didn't do any body/cosmetic damage but it did cause mechanical damage. I have every coverage you can think of with Geico ($250 deductible). I even have mechanical breakdown insurance (only reason I chose Geico). Is car insurance just for body/cosmetic damage? Can I file a claim for MBI (extended warranty) to fix the air condition and the traction control? I mean there is no evidence of an accident, but the accident caused mechanical damage.
Do I have to call the police and file a police report over this??
Geico raised my premium $100 just because I moved to a 'not a nice neighborhood'. I have a clean MVR and Geico advertises they don't raise premiums over a fender bender. If Geico denies my claim or raises my premium again, I'm switching to Allstate!
First of all, you have asked lawyers to okay you commiting insurance fraud, which is a crime. Unless you want to get your insurance cancelled and become pretty uninusrable because insurance databases all insurers access will know you committed fraud, and unless you want to risk prison, don't. You can only make a claim for what actually happened. You say there is no evidence of a collision, and a bump to a curb simply does NOT cause mechanical damage in most cases (if your mechanic says otherwise, get that statement in writing).
Insurance is a contract. The coverage is exactly what it says it is. Collision is defined in your policy. (Your failure to file a police report will sometimes be seen by an insurer as evidence of possible fraud). If collision caused the problems you mentioned, then it probably should be covered.
You note that you also purchased an extended warranty on your vehicle from GEICO. You need to read the inclusions and exclusions (the exclusions like mention collision damage).
GEICO by the way has a reputation with lawyers as one of the better insurers as far as claims. That does not mean you should expect them to pay things that are not covered. (Allstate, according to many lawyers, is one of the very worst companies with claims). Insurers do rate car insurance premiums by neighborhoods. Neighborhoods with higher rates of car theft, accidents and vandalism obviously have higher insurance rates with every company. A smart consumer can control insurance rates by shopping around, by picking neighborhoods with low rates to live in, by raising deductables (it's expensive to have a deductable as low as $250 and that is way too low for a smart consumer) and self-insuring small claims, by buying cars with the lowest insurance rates, and by keeping a clean drivers record.
If in fact the bumping of the curb cause some mechanical damage and you have a mechanic who will testify to that under oath, then you may be able to file a claim with your own insurance carrier under comprehensive coverage. However it will make your premiums go up and therefore may not be worth fooling with the claim. You will also have to meet your deductible and your carrier may make you do a police report. If you call the police to report the "accident" you'd better be prepared to state in detail how the accident occured, when and where, without giving any false information.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline