When You Should File A Car Insurance Claim And When Not To

Your car insurance provider will tell you to report every accident regardless of fault or circumstances. But sometimes, it’s best to avoid filing an insurance claim. Here are different situations when you should file a claim and when not to.

When To File A Car Insurance Claim?

While some people will want to agree with the parties involved and pay for damages out-of-pocket, this can result in bigger problems. Here are situations when you should file a claim.

• If the extent of the accident you cause is unclear.
• If you cause a car accident that leads to injuries.
• If you cause damages to another party car after an accident.
• If you’re offered to settle privately, and you only cause minor damage.

When Not To File A Claim

Deciding whether to file a claim or not when you’re involved in a car accident is not easy. Here are situations when you shouldn’t attempt to file a claim.

• If both parties agree to settle privately.
• If the claim will cost you the same as your deductible.
• If your claim will cost you more than the out-of-pocket repair costs.
• If your vehicle is old, and you aren’t bothered about its cosmetic appeal.

In Summary You need to be very careful when deciding whether or not to file a claim. While there are some situations where a claim isn’t required, sometimes you can’t avoid not going through your insurance. Be sure to think deeply about whether filing an auto insurance claim is your best decision.