Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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UPDATED: Jul 14, 2021

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Important facts to know...

  • All insurance claims must be investigated
  • Your insurance company must take your insurance claim seriously and provide you a resolution within a reasonable time-frame
  • You should always provide your insurance company with honest, accurate information in order to avoid being accused of insurance fraud
  • If your insurance premiums go up after your claim or your claim was denied, you can find a new policy with help from a comparison tool

When you file a claim with your car insurance company, they must investigate your claim.

Filing a claim may sound like a scary process, but it is perfectly normal for your insurance company to review the damage on your car and all of the evidence that relates to your car accident or incident.

If you are worried about your car insurance claim resulting in higher premiums, you can use a comparison tool to find better rates on your next policy. Get started right now by entering your zip code above.

Do You Want to File a Claim?

After you get into a car accident or your car is damaged, you may wonder if you should file a claim. If the accident involved another person’s property or caused injuries, you want to file a claim.

If the damage was less than your deductible and involved only your person and property, you may not want to file a claim because it would go on your record, and you would still have to pay for all your car repairs.

If your deductible is extremely high and you’ve recently filed a claim that was for less than your deductible, you can find a policy with a lower deductible by using a car insurance comparison tool.

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Car Insurance Claims Process

When you get into a car accident or your car experiences damage while it is parked, you have to file a claim with your insurance company if you want them to pay part or all of the repair and/or medical bills.

Once you file the claim, your insurance company will assign a claims adjuster to your file.

The claims adjuster will review your policy to make sure that you are covered under the circumstances of the accident or incident. You may be asked to get estimates for the damage to your vehicle.

While you are not required to use the repair shops the insurance company suggests, it can make the process simpler.

Once your case has been thoroughly reviewed, you will be notified in writing whether or not your claim was accepted or rejected. Your insurance agent may even call you to tell you the news.

If your claim has been accepted, you take your car to the repair shop and have it repaired. Your insurance company will pay for the repairs minus any applicable deductibles or fees.

Suspected Car Insurance Fraud

Whenever you file a claim, it is best to be 100 percent truthful when you file your claim, from reporting what happened to figuring out your losses.

You don’t want your car insurance company to think you are filing a fraudulent or partially fraudulent claim as this could slow the process of getting the funds to have your car repaired.

If your insurance company does delegate your claim as fraudulent, you could be stuck paying for your car repairs and find it more difficult to get car insurance in the future. You may even be subjected to legal ramifications.

If you need a different car insurance policy after your current company denied your claim, you can use an auto insurance comparison tool.

If You Suspect Fraud Has Been Committed Against You

If you suspect insurance fraud has been committed against you, alert your insurance company. This includes if the other driver pulled out in front of you and slammed on his or her brakes, causing you to rear-end their vehicle.

It’s also important that you do not exaggerate your injuries or let any medical professional exaggerate your car accident injuries. Exaggerated claims can lead to your insurance company declaring your case fraudulent.

A comparison tool can help you find an auto insurance policy that is more affordable with an insurance company that offers better customer service. All you have to do is input the requested information and wait for the online tool to return all the available policies in your area.

Compare today to see how much you could save on car insurance.