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Commonly asked questions regarding Auto Insurance
There is no law that requires you to report an accident to your auto insurance company, and you should remember that every time you file a report with your auto insurer, even if the damage is less than your deductible, it goes on your auto insurance record. The National Association of Independent Insurers (NAII) suggests auto insurance companies want to know about accidents even when repairs cost less than your deductible so the company is protected against possible fraudulent claims from you. If you file a future claim for damages that really happened in an earlier accident, the auto insurance company needs to know to properly evaluate your claim. In most cases, you premiums aren't affected unless the company has to pay out on a claim.
Some points to consider
When should you file a claim with your auto insurance? If the repairs cost less than your deductible you're better off paying for them on your own. The reasoning that says take a higher deductible on your auto insurance to lower your rates extends to this scenario.
If you already have a speeding ticket on your record, check with your state's department of auto insurance to find out what your state's regulations are on nonrenewal of auto policies.
Although, if there is another car involved, or if there is someone else in the car with you, you definitely need to let your auto insurance company know about the accident, according to industry experts. You can never be sure if a passenger or another driver will file a claim on your auto insurance, so you're better off making sure your side of the story gets on record with both the police and your insurer.
In addition, because injuries are not always immediately apparent, you should report an accident in case you sustain injuries that show up a day after the accident and need medical treatment.
There are different points that the auto insurance companies look for
Once you contact your auto insurer, be prepared to have the information remain in your file and dog you if you change auto insurance carriers. Auto insurers share information on policyholders' histories. But when the damage is extensive, it's appropriate to take advantage of the auto insurance you've paid for.
Although auto insurance industry insiders won't say as much, the trend toward nonrenewals and tighter restrictions on what is covered across the industry suggests you should use your car auto insurance like your home insurance, for expensive damage, and plan ahead to pay out of your own pocket for the smaller repairs.
