Can I talk to my auto insurance company about whether or not to claim something?

Question

I hit a concrete dumpster enclosure.  No damage to concrete, but one estimate put the damage to my car at $1700.  My deductible is $500.  Can I call my insurance company and talk about whether or not I should claim it?  Will my premiums go up significantly?

Anonym · Accepted Answer

Don't call your claims department if you're not sure. Once you call them, they will file the claim. The company I work for requires us to file the claim once we answer the phone. If you want to know whether or not to file, call your agent first. He or she will be able to tell you if this will raise your rates.

sleddog382000 · Answer

It looks like you'd be $1200 to the good if you make the claim and you'd also have a decent looking car.  If you got a ticket your premium will go up.  If you didn't, they probably won't raise the premium until you renew the policy.  Definitely make the claim.

And yes, you can discuss this claim with an agent by phone or in person if your have an agent near you.

Also, if you owe money on the car the loan company will  want you either to put the insurance money on the note or use it to repair the car.  So you might check with them, too.

Anonym · Answer

Be for warned, insurance companies collect a lot of info in determining your rates, it's been reported that inquiring about n incident, even if you pay out of pocket, can effect your policy renewal cost.

Can I talk to my auto insurance company about whether or not to claim something?

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