{"id":696,"date":"2018-01-22T10:52:23","date_gmt":"2018-01-22T14:52:23","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=696"},"modified":"2024-02-25T22:48:49","modified_gmt":"2024-02-26T02:48:49","slug":"not-file-auto-insurance-claim","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/not-file-auto-insurance-claim\/","title":{"rendered":"When Not To File An Auto Insurance Claim"},"content":{"rendered":"

You got into a car accident. Maybe it was your fault. Maybe it wasn\u2019t. Now, you\u2019re dealing with the insurance side of things. You were about to call your insurance agent and start the claims process, but you remember back a few years.<\/p>\n

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Your mother got in a small crash. She could have paid for the damages out of pocket, but she called the insurance agent and filed the claim. Next thing she knew, her car insurance had increased.<\/p>\n

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This is how the insurance world works. If you file a claim<\/a>, there\u2019s a chance your premiums will go up, especially if you\u2019ve filed other claims in the recent past. Even small claims can cause your insurance to go up more than you\u2019d like.<\/p>\n

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Luckily, you don\u2019t have to file a claim every time your car gets damaged. In fact, there are proper times to get in touch with insurance and instances when its better to handle things out of pocket.<\/p>\n

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When to File an Auto Insurance Claim<\/strong><\/p>\n

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There are times when you should file an auto insurance claim. After all, that\u2019s why you pay for auto insurance – so you have a coverage option when you need it. You pay for insurance so you\u2019re not on the hook for five- or six-figure bills after a devastating accident.<\/p>\n

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So, here are a few times when you must file a claim:<\/p>\n

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