Filing an auto insurance claim why is this not always a good idea,tips of how to

1. Filing an Auto Insurance Claim – WhyIs This Not
Always a Good Idea?
The number of
automobile owners is
always increasing. Hardly
there may be a time when
the automobile market
saw a low sale point. With
the increasing number of
vehicle sales, there is an
obvious rise in demand
for the automobile
claims. Today, there are
millions of vehicles
running on the road, and
unfortunately out of those

2. thousands meet with
accidents every day due
to various reasons, be it
driver’s fault, bad weather
or roads, etc.
It is quite obvious that
you will file for a claim,
god forbidden once you
meet with an accident.
However, is it an ideal
thing to do? Here is a list
of situations, which tells
you when not to claim
your insurance money:

3. You have moving
violations on your
record
Auto insurance company
quote you the rates

4. according to your driving
experience. If you have
got a lot of tickets on your
license and you have
violated the traffic rules
many a times, then
probably insurance
company will increase
your premiums. In such a
case, if you file your
claim, it is very likely that
you end up in loss, as
they will further increase
the rates.

5. The claim is slightly
more than the
deductible
Deductible amount is very
important to consider
when you are filing for a
claim. If your deductible
amount is say for
example $1000 and the
claiming amount is
$1200, in such a case
you get overall only $200.
So it is better to repair
your automobile from
your own pocket rather
than taking all the trouble

6. of getting only a little
amount. Sometimes it is
good to increase your
deductible amount
because it will benefit in
the long run. It will lower
your annual premiums
significantly, and in the
longer run may pay for
itself.
The damaged caused
could be prevented
If the reason of a road
accident is your

7. carelessness, then it is
very unlikely for your
claim to be approved.
Insurers do the detailed
research on the cause of
accident or the damage
done to your vehicle.
If they find out that you
could have easily
prevented the damage
and it was caused due to
your negligence, then
they will refuse to pay.
Therefore, it is better not
to claim for your
negligence.

8. Damage involving
complicated problems
Sometimes your vehicle
may get damaged and
needs a repair, which is
very complicated.
Insurers do not like such
complicated cases
involving a lot of
difficulties. Some might
even refuse to pay you
and ask you to go
through the policy saying

9. it doesn’t cover such
cases.
Another reason is that
most of the insurers use a
common database, and if
you file for a claim, then
your case will be
recorded. Thus, in case
your insurance company
refuses to continue with
you and you are looking
for another insurer, then it
is of no use. Since they
all might refuse to pay for
the damage. Moreover, it
could lead to other

10. problems related to
selling your vehicle.
Chance where another
party can pay
Though this doesn’t
happen a lot, but
sometimes if you have
suffered a loss in
accident, which was not
caused by you, then the
insurer of other person
may pay you. In this
case, you do not need to

11. file for a claim with your
insurance company.