Coverage & Claims

Can I wait to file an auto insurance claim if it takes me a year to save up for the deductible?

Thanks for your question. In most cases, you can file a claim for up to two years after the loss. However, I would recommend that you go ahead and start the process as soon as possible.

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Coverage & Claims

Should I file an insurance claim?

Here are a few things to consider: You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however you technically can file a claim up to 2 years from the date of the damage. Since the damage on your car came from 2 different incidents you will be required to file 2 claims and pay 2 different deductibles.

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What if I filed a claim, decided I didn't want to go through with it, and hung up?

Unfortunately once you notify them of any sort of incident they will investigate it. You can check our State of Insurance report to get an average of the amount an accident will increase your rate by annually. If you experience a rate increase you can always shop around for a lower rate.

Coverage & Claims

Should I file a claim if my repair cost is $1,500?

In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
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