No one looks forward to filing a claim, but that’s why you have insurance. Here’s what to do before you file:
1) Make sure you’re in a safe place. If you’re in an auto accident, move out of traffic if you can and don’t try to file a claim from the side of the road. If your home is damaged, stop further damage first. For example, if a pipe bursts, shut off the water.
2) Compare the damage to your deductible. Ask yourself whether it’s better to pay out of pocket rather than file a claim that could raise your rates for three to five years. For example, if you cause an accident and the damage to your car is $850 with a $500 deductible, the claim would only pay $350. Paying the $850 yourself may be worth it to keep a clean record and your California Good Driver Discount.
If anyone is hurt, or the damage is significant, report it right away. Call us and we’ll help you decide.
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