When Do I Need to File an Auto Insurance Claim?

Filing an auto insurance claim can be crucial in the aftermath of an accident or vehicle-related incident. Knowing when to file a claim can save you from unnecessary expenses and ensure you receive the coverage you’re entitled to. While some situations clearly warrant a claim, others might leave you wondering if it’s necessary. Here’s a guide to help you navigate this decision.

After an Accident

One of the most obvious times to file an auto insurance claim is after an accident. Whether it’s a minor fender-bender or a major collision, informing your insurance company is essential. Filing a claim may help cover the cost of repairs, medical expenses and any potential liabilities you might face if the other party is injured. Even if the accident seems minor, it’s wise to report it; what appears to be a small dent can sometimes mask significant internal damage.

When Someone Is Injured

If anyone is injured in an accident involving your vehicle, you should file an insurance claim immediately. This includes injuries to yourself, your passengers, pedestrians or occupants of another vehicle. Medical expenses can escalate quickly, and your insurance policy may help manage these costs.

For Significant Vehicle Damage

When your vehicle sustains significant damage, filing a claim is usually the best action. This might be due to a collision, vandalism, natural disasters or theft. Your comprehensive and collision coverage may help pay for repairs or replacement, minimizing your out-of-pocket expenses. Before filing, assess the damage and compare it to your deductible; filing a claim usually makes financial sense if the repair costs are much higher than your deductible.

When at Fault

If you’re at fault in an accident, filing a claim is crucial. Your liability coverage may handle the costs of the other party’s vehicle repairs and medical bills. Failing to report an at-fault accident can result in severe financial and legal repercussions.

Auto Insurance Claims in Homewood, AL

Knowing when to file an auto insurance claim may protect you from substantial financial burdens. Contact Servi-Express to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.