Sherzer Insurance Blog
If you're involved in a road accident or someone stole your car, you're going to have a very stressful time. Thus, you need to go through the claims process when filing an auto insurance claim. However, there are instances when it’s not a good idea to make a claim.
If Only Your Vehicle Is Damaged
It’s better to use your out-of-pocket money to deal with the damage in your own vehicle. If you caused an accident, but it's only your car that's damaged, you don't have to waste coverage in your auto insurance policy. Besides, if it’s your fault, your insurer might raise your rates.
If You Caused Only Minor Damage to Someone Else’s Property
The sound of your car door bumping another car may not be worth any car insurance claim. You can take care of that scratch from your own pocket. Modest damage such as scratches and small dents may not be hard to take care of.
If an Unknown Person Causes Minor Damages to Your Vehicle
Although it’s not your fault, it may not be a good idea to file an insurance claim. If you file claims for small accidents often, your insurer might think that you’re always driving along high-risk areas. Small claims can tarnish your reputation as a high-risk driver by the time you file a bigger claim later on.
If There Are No Injuries Involved
When there are no injuries involved, then you don't have to file an auto insurance claim. As long as your vehicles are not severely damaged, then you can save coverage. The most important thing is that the accident didn't involve any severe injuries.
If It’s Clear The Other Person Is At Fault
If the other driver has admitted fault and has promised to shoulder expenses, then you may not file an auto insurance claim. If he’s at fault, then he may promise to let his insurer handle the case. He may also decide to shoulder the repairs from his own pocket. However, if some people are injured, then you may consider calling your insurer unless you trust the other driver that much.
Some Final Words
There are many instances of auto insurance claims where the driver only wasted coverage. If you can handle the minor repairs yourself, then you’d better not waste car insurance coverage. The most important thing is that you can take care of the injured fast. Assess the damage and the situation first before you decide on filing an auto insurance claim.
At Sherzer Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (239) 673-9301. Get your free quote today by CLICKING HERE.