If you are ever involved in an automobile accident, you will have to decide if you want to file a claim or not with your insurance company. There are a couple of things that you should consider before making your decision to file a claim.
When Not to File a Car Insurance Claim
If the accident is not your fault, and the other driver has adequate insurance coverage, you might want to consider not filing a claim with your insurance company and let the other drivers insurance policy take care of damages to your vehicle as well as pay for injuries to you or other passengers in your car. However, if the other company refuses to pay then you may want to file a claim with your company and then the two insurance companies fight it out.
Another situation where you might consider not filing a claim would be if the accident was your fault and there is minimal damage to both vehicles. In this type of situation, you may find it more affordable to simply pay for the other driver’s car damage or damages to your car out-of-pocket and avoid any potential premium increases that may cost you a lot more money in the long run.