Should I File A Claim?

Often times, the question of whether or not a claim should be filed will be asked by our clients. As much as we'd like the answers to always be clear cut and straightforward, there are certain situations that may require a careful review of all of the different factors involved.

With auto insurance, looking at the facts surrounding an accident, the type of claim in question, and deductibles applicable can give us guidance on what direction to go. On a property policy, the type of claim and the severity of the damage can also dictate whether or not a claim is appropriate. With certain types of claims having the ability to impact premiums and even, in some cases, eligibility to continue a policy, it's often necessary to fully review the variables before making a decision to proceed.

Having an agent you trust, and an agency that knows the claim process in and out can make a massive difference in how a claim will be handled, or even if a claim is necessary and cost effective. An agent will be able to review your deductibles and any impact on your premiums as a result of filing a claim. If you choose to proceed, they can advise you how long you may be affected rate-wise, or if you are eligible for claim forgiveness packages and policies that they may offer. If you or someone you know is considering filing a claim, speak with your agent to review the facts of the situation. This can save you time and money both in the short and long term.