Originally Posted by Frederick L. Simson
What am I missing? How is having a conversation noted in your file a problem?
Any inquiry to your agent about coverage for damage you've already sustained is treated by the agent as an incident and is logged in your record. This true whether or not the incident is covered, and even if you don't file a claim. It's an "incident of loss", and an important statistical red flag. Your premiums will go up if enough such incidents accumulate in your record. Depending on type, even a single
such "report" will trigger a hike in rates.
Insurance is a game of odds, and such inquiries in a policy holder's record are an indication of increased risk for the company.
Many people are unaware that "their" agent actually represents the interests of the companies he/she works for, and the agent's first duty is to protect the interests of those companies.
He/she is duty-bound to log those inquiries.
Per Paulitzlee2's question,
Check your policy!
Most vehicle policies don't cover the kind of damage you describe unless it was caused by a "covered incident" such as an accident.