Home » What are the Top Five Things to Know About Car Insurance Claims?

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Filed under auto insurance claims questions.

What are the Top 5 things should I know about car insurance claims?

In a nutshell, here are the top 5 things you should know about insurance claims:
What’s your coverage? This is something you should be aware of when you sign the policy and for the duration of the plan. It eliminates the surprise factor and even can make you a more careful driver on the road

Don’t take your time when filing an insurance claim – You need to process your claim as soon as possible for one reason – you might forget what happened and this can become complicated during the claims process.

Avoid saying it’s your fault – This could open up a can of worms mainly related to negligence on your part. It would also make it difficult to get your claims approved and could bring about an onslaught of legal problems.

Avoiding the need to file a claim for minor damages is more advisable than filing claims for every incident on the road. This is because the deductible might be higher than the cost of repairs

If you were not at fault, don’t be afraid to make a claim for fear of increased premiums. This is why you have car insurance – to protect you from unexpected expenses. On the other hand, if you can and you are not at fault, make the other party file a claim on his insurance to pay for the damages to your car.

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