Coverage & Claims

Should I file a liability claim if I caused $650 in damage to the other car?

We have a handy guide on how to determine whether or not to file a claim here. For that amount of damage, it's probably wise to forgo the claim and pay for the damage out-of-pocket. If you go through insurance, you would be classified as at-fault in this incident and you can expect your premium to increase over a period of three years.

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Coverage & Claims

In the past five years, we have had four claims. I recently had an accident in my garage where I hit my own car. Should I file a claim?

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.

Coverage & Claims

My insurance company wants to deem my car totaled. Can this be disputed?

Typically, an insurance claims department will do whatever ends up the cheapest for them. Unfortunately, they will almost never negotiate the claim type or even how they pay out on it.

Coverage & Claims

I got into a minor car accident and agreed to pay out-of-pocket, but today I learned they filed a claim against me. What should I do?

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.

Coverage & Claims

I agreed to pay out of pocket for an accident, but do I have to pay for their rental car if it's prohibitively expensive?

Sorry to hear about your accident. If you accepted fault for the accident you are responsible for the person's transportation expenses.

Coverage & Claims

Should I file a claim after hitting a tire in the road?

Thank you for the question. I would avoid filing a claim unless the damage is severe.

Coverage & Claims

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

Motorcycle Insurance

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.

Coverage & Claims

Should I file a claim if I got hit and am not at fault but settled for an amount less than I actually need?

Hello, My advice would be to contact your insurance company. They can begin negotiations and work on your behalf to get your vehicle back to its pre-accident state.

Coverage & Claims

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as).

Coverage & Claims

If I hit a rental car, can I pay the damages out of pocket?

In this particular instance, it really depends on how the rental car company wants to handle the situation. I would recommend contacting the rental company to see what options you have.
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