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Writer's pictureCharlotte Burr

Understanding When to File an Auto Insurance Claim

Updated: Jun 14


When it comes to auto insurance, knowing when to file a claim can be an important decision. While it may seem tempting to file a claim for every little scratch or dent, there are situations where it's best to hold off.


For Example, if you caused some minor damage to your car like running into a pole or backing into your garage, it may be best to pay for the repair out of pocket than file an insurance claim. This is because the repairs will most likely be less than your deductible which means you will be paying out of pocket either way and you will avoid having your insurance premium raised.


In other situations, it is very important to file an insurance claim. For example, if you get in a minor accident with another driver and they suggest handling the matter privately with cash. Most of the time it is not smart to try and pay the other driver involved with cash because there is a possibility that you give them too little and they ask for more. The other driver might also try to extort you for more money than the repairs will cost. In this situation, the best thing you can do is reject paying in cash and call your insurance company so a claims adjuster can handle the situation.


Filing an auto insurance claim should be done strategically. By considering factors such as the severity of damage, circumstances of the accident, who is at fault and your insurance policy, you can make an informed decision that best suits your needs and financial situation.


Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…

Disclaimer: Coverage will vary on state, insurance company, and type of policy.

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