When to file a car insurance claim after a collision


When to file a car insurance claim after a collision

Sometimes filing an insurance claim is an obvious course of action after a car accident. If a vehicle sustained damages or a driver was injured, it’s important to reach out to your insurer. But not all car collisions are serious enough to warrant an auto insurance claim. There are many situations in which you shouldn’t file a claim or use your insurance coverage. At Pfaff Autoworks in Vaughan, ON, we see vehicles that have various levels of damage caused by an accident. Sometimes these vehicles are being paid for through insurance companies and sometimes the customer pays for the repairs. It all depends on the type of collision, damage, and a person’s insurance coverage. In this blog by Pfaff Autoworks, we talk about filing car insurance claims after a collision.

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When to not file a car insurance claim 

If you were involved in a single-vehicle collision and you emerged uninjured, the next steps are fairly straightforward. Any car insurance claim you file in this situation would be considered an at-fault collision claim. Depending on the value of the damage, an at-fault claim could increase your premium substantially for the next several years.

If there’s little to no damage to someone else’s vehicle or property, you might not need to file a claim. Some collisions involve very little damage but do leave scrapes or dents. In these cases, it could be possible to ask the person you hit if you can pay for the damages out of pocket.

When you should file a car insurance claim

If you, passengers in your vehicle, anyone in the other party, or any pedestrians were injured in a crash, you’ll need to file a claim, especially if there’s a chance you’ll be found at fault. Medical bills can add up, and not filing a claim can leave you open to litigation. If you wait to get sued before contacting your insurance company, your claims representative could deny the claim altogether.

If you’re involved in a crash that results in property damage or injury, and the fault is in dispute, you’ll need to file a claim so that your insurance provider can represent you. Insurance companies deal with insurance companies, and yours will need to work with the other party’s insurer to assign responsibility and arrange payouts.

There are many different situations in which a car insurance claim should be filed or doesn’t need to be filed. Nevertheless, if your car is need of collision repair as a result of an accident, we highly recommend that you consider Pfaff Autoworks today. Click here to find our contact information, schedule a service appointment, or to speak with a representative.