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Automobile Insurance Claims: Filling, Negotiating, Settling

Should You File A Claim?

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It is advisable to file a claim with your insurance company unless:

  • No one else is involved in the accident and repairs will cost less than your deductible.
  • You have been in an accident in the past three years, no one is injured, and the property damage is affordable. Excess claims can cause your insurance company to raise your rates or to drop you all together.

Before deciding not to file a claim, check your policy. Some policies require a report of all damage, no matter the amount.


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