We’ve all been there. One minute, you’re rolling down the highway on your morning commute listening to talk radio. In the blink of an eye, you’re catching your breath after an unexpected close call. While you’re alright, your car didn’t get off so easily. Now you’re left wondering how much the damage is going to cost you and whether it’s even worth it to file an auto insurance claim.


In this post from Suburban Auto Body in Minnesota, we’re covering when you can and cannot file an auto insurance claim. For affordable and easy accident repair in the Twin Cities area, give us a call.

To File Or Not to File

When you’re involved in a fender-bender, the only question about filing an insurance claim is who will be at fault. Whether or not someone should file isn’t even a question. But sometimes, it’s not so clear whether you can or should file a claim for auto body damage. Perhaps you were backing out and overshot the mark, taking out another vehicle’s headlight. Is filing a claim going to raise your rates? Is there a better way to handle the situation? 


Your insurance agent will likely tell you that all automobile collisions should be reported to the insurance company right away. But the truth is, every claim you file could potentially raise your rates. According to industry experts, you can see as much as a 44% rate increase after filing a single claim and a 99% increase after filing a second claim.


Whether or not your rates will go up may depend on these factors:


●        The extent of the damage

●        Which driver was at fault

●        Number of claims in a specific time frame

Don’t File When This Happens

Although getting into an auto collision can be frightening, it’s important not to panic and to remember that accidents can happen to even the best drivers. Before you do anything else, take a moment to make sure everyone involved in the collision is safe and unharmed.


When in doubt, it’s always best to contact your insurance agent. However, experts advise that it may be better to not file a claim in these circumstances:

1.    The claim is close to your deductible.

With most policies, you’re going to have a deductible that needs to be paid before your insurance coverage will pay out. If your claim is less than your deductible, you’re going to have to pay for the damage out of pocket. But if your claim is slightly more than your deductible, it’s probably best to pay for repairs yourself rather than see a costly hike in your insurance rates.

2.    You have an older vehicle.

Maybe you backed into a light post, or perhaps another driver hit you but the damage is nominal. If you drive an older vehicle and the damage is minimal, you can probably get by without repairing a barely noticeable dent.

3.    You’ve come to an agreement with the other party.

Always be cautious about agreeing to accept payment without using insurance since the cost of repairs can sometimes be more than expected. However, if the damage to your vehicle is something as minor as a door scrape and no one is injured, the other party might offer a deal you can live with. If this happens, you don’t need to file a claim.

Schedule Your Minnesota Auto Body Repair

Has your car been involved in a minor accident? At Suburban Auto Body, we can help with insurance claims. To schedule your auto body repair, give us a call at 651-633-8900 or contact us online to get your free quote.