When to File an Insurance Claim
- When someone is injured. If you're in a car accident and you, the other driver or a passenger in either car gets hurt, that's an automatic reason to file a claim.
- When it's not clear who is at fault. ...
- When you suffer a “total loss” or can't afford to pay for the damages.
When should you file a claim?
You should always file an insurance claim after an accident involving injuries. This provides the opportunity for you and other injured individuals to obtain costly medical care. If you potentially caused the accident and do not file a claim, you open yourself up to an expensive lawsuit.
When should you not file a claim?
If repair costs are less than your deductible, if no one else's property is damaged, and if no one else is injured, there is generally no reason to file a claim. Remember, your deductible is the amount of money that you commit to paying out of pocket before your insurance company begins to pay you any benefits.
