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Question:

How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?

My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?

Answer:

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The oven simply needs to be cleaned. Unless maid service is included in your rent you will need to do this yourself. The windows and doors are easy fixes, ask the landlord to have them done. If you want to complain you complain to a judge, you would have to sue for breach of contract, this is all civil stuff. Or protest with yoru feet and move out.

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