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In Mass. and the only loophole I could find might be if the reported damage claim amounted to less than the $500. I am thinking if I pay the insurance company $1101, it would reduce the claim to $499 which would then be $1 under the $500 that triggers the points/surcharge. Maybe????
I can't see how I could be found less than 50% at fault since the other vehicle was parked and I was the only one moving. I don't think loosing sight of the car in the mirror while maneuvering the trailer gets me off the hook. I suppose I could just look at the surcharge as being $1600 financed over five years and the extra amount paid would be a finance charge.
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