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Edited by Angelica Leitch Angelica Leitch Edited by Arrow Right Insurance Editor Angelica Leitch is the team’s insurance editor. He is truly passionate about helping readers make informed decisions that suit their budget, whether it’s the right comprehensive car insurance policy or the life insurance policy that best suits their needs. Angelica Leach
Getting Insurance After An Accident
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A car accident can be scary, no matter how minor or how severe the damage. Fortunately, auto insurance can help cover your financial obligations. But if the accident doesn’t cause major damage or injury, you may be wondering, “Should I call my insurance company after a minor accident?” After all, filing a car insurance claim can sometimes result in higher car insurance premiums, especially if you’ve been in a recent accident.
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Costs will continue to rise until 2022. Shop around for the best price before renewing your current policy.
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But when it comes to whether or not you should call your car insurance company after a minor car accident, the short answer is yes – it’s always a good idea to notify your insurance company if you’ve been involved in a collision. However, depending on the situation, you may choose to pay for the repair out of pocket.
Paying out of pocket for a car accident always involves a certain level of risk. However, it may not always be necessary to take out insurance. Not taking out insurance to cover accidents means your premiums won’t go up due to a claim, which is a huge advantage. Here are some types of accidents that may not require auto insurance:
If you’re involved in a very minor collision that doesn’t involve other drivers, you’ll likely pay for the damages out of pocket. An example is if you run into an object and your bumper is dented or your windshield is cracked, but no one else is injured or there is significant damage. In this case, the deductible of the insurance policy may exceed the repair costs, so it may not be financially beneficial to file a claim.
Another situation where paying out of pocket for accident damages makes sense is if you have been involved in a very minor collision with another driver. Classic examples of this are reversing at a stop sign or hitting another car in a parking lot. Assuming the damage is minimal and both drivers agree who was at fault, it may be reasonable to not use insurance.
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However, insurance professionals generally advise you to avoid insurance in this situation if you can trust that the other driver will not file a claim without your knowledge. If you feel hesitant, you may want to contact your insurer to avoid any surprises.
Car insurance is designed to protect you financially in the event of an accident, whether you cause a collision or are hit by another driver. While you may be able to get away with not contacting your insurance company after some accidents, most of the time you should notify them. Here are some situations where you should contact your insurer:
If you or the other driver involved in the collision were injured, contact your insurance company. The bodily injury liability portion of the policy covers all injuries as long as you are not at fault, and this is usually where Personal Injury Protection (PIP) comes into play. Medical bills after an accident can be expensive, regardless of the injuries. they are minors. Using insurance can save you a lot of money that would otherwise come out of your pocket.
If you are involved in an accident and do not believe the other driver’s account of the incident, be sure to report the accident to the insurance company. An example is if you and the other driver disagree about who caused the accident, or if you suspect the driver is faking it.
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