Winter is upon us with all of the ice and snow it brings. For drivers in the Twin Cities area, that means the chances of getting involved in an auto collision are increased. On any given day when you get behind the wheel, there’s always the slight possibility that you can end up in a fender bender. But when winter precipitation takes over our state, those chances go up significantly. From minor dents to serious accidents, it’s important to have a good repair team behind you like our certified technicians at Suburban Auto Body. In this blog post, we’ll help you weigh the pros and cons when it comes to deciding whether to file an insurance claim.


Reasons to Consider Filing a Collision Repair Claim

Even if an accident isn’t your fault, there’s always the chance it could come down to your word against the other driver’s. In far too many minor accidents, the other driver can end up seizing the opportunity for a possible insurance payout. Unscrupulous drivers may even fake injuries so they can file a lawsuit against your insurance company. That’s why it’s important to follow the advice of your insurance so you win, not the other guy.


Another great reason to contact your insurance company is that they can recommend a good auto body and collision shop to handle your repairs. At Suburban Auto Body, we’re experienced at working with insurance claims, making the process as painless as possible.


Here are some more benefits of filing a claim:

●        Even minor repairs on some cars can be quite costly.

●        Limit your claim to the deductible.

●        Avoid overpaying for repairs.


Reasons You May Not Wish to File a Claim

The most common reason car owners hesitate to file an insurance claim is to avoid their premiums going up. This can either happen right away or the next time you renew the policy. In such a scenario, the cost of the premium increase may dramatically outweigh any minor repair costs. You may also lose your safe driver discount.


Experienced Twin Cities Auto Body and Collision Repair

No matter whose fault a collision is, it’s important to remember it’s called an accident for a reason. No one plans to get into a fender bender. What matters is what you do next.


At Suburban Auto Body, we work hard to take the sting out of having to file an insurance claim. We’ve been working with Minnesota insurance companies and drivers for more than four decades to provide OEM manufacturer’s parts and simplify the claim process. We’ll work with your insurance company to get you back on the road fast. To connect with our collision repair team, give us a call at 651.633.8900, or contact us to get your free collision repair estimate.