Under What Circumstances Should I File an Auto Insurance Claim?

Filing an auto insurance claim can impact your future premiums. Knowing when to file a claim and understanding the process can help you navigate the aftermath of an accident or incident effectively.

Depending on your auto insurance coverage, you may be able to file a claim for damage to your vehicle, even if it happened in an accident you caused. If you have comprehensive and collision insurance, your insurer may help repair or replace your vehicle after a covered accident or incident.

Major Auto Accidents

One of the most obvious situations where filing an auto insurance claim is necessary is after a significant accident involving considerable damage or injuries. The following are some key considerations:

• Damage assessment—If your vehicle sustains substantial damage that exceeds your deductible, filing a claim can help cover repair costs.
• Medical expenses—Injuries resulting from the accident may require medical treatment, and your auto insurance policy’s medical payments coverage or personal injury protection (PIP) can help cover these if you have appropriate coverage.
• Liability determination—If you are at fault for the accident and another party’s property or vehicle is damaged, your liability coverage can cover their repair or replacement costs.

Minor Auto Accidents

For minor incidents, weighing the benefits of filing a claim against potential consequences is essential. If the repair costs are less than your deductible, paying out of pocket may be more cost-effective than filing a claim.

Insurance companies consider your claims history when determining rates, so consider how filing a claim may affect future coverage and rates. Filing a claim can lead to increased premiums at renewal time, especially if you have multiple claims within a short period.

Consult your agent for advice about whether to file a claim for damage to your vehicle after a minor incident.

Theft or Vandalism

If your vehicle is stolen or vandalized, filing an auto insurance claim can help recover your losses. Contact law enforcement immediately to report the theft and then file a claim with your insurance company.

In cases of vandalism, document the damage, contact law enforcement to report the incident and file a claim to help cover repairs to your vehicle.

Weather-related Damage

Severe weather can cause considerable damage to your vehicle, warranting an auto insurance claim. If you have comprehensive auto insurance coverage, you may be able to file a claim for hail damage, a tree falling on your car or losing your car in a flood.

Uninsured or Underinsured Motorist Incidents

If you are in an accident with an uninsured or underinsured driver, and you have uninsured/underinsured motorist coverage, your insurer may help cover your medical and property damage expenses.

Contact Us

Contact Above All Insurance in Phoenix, AZ, to learn more about when to file an auto insurance claim and review your current coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.