If your vehicle has been in a collision, you have a decision to make as a car owner whether to file an insurance claim. In Texas, the law requires drivers to pay for the accidents they cause.
There are several aspects to consider when determining if you want to use insurance to pay for damage.
People Involved in an Accident
Possibly the most important criteria to consider with collision repair and insurance is if anyone else was involved in an accident other than yourself. If the accident caused injury or severe damage to another vehicle or property, you should contact your insurance company as soon as possible.
If you do not report the accident promptly, an insurance company could be limited in the protections it can provide to you. If the accident only involved you, you are not hurt, and there’s not significant damage to any other property, you may choose to not file a claim.
Costs to Repair
The cost to repair your vehicle and any other car or property that was damaged should be considered for filing an insurance claim. If the auto body repair needed is significant, you may want to file a claim. But if the damage to your car is small, determine if the cost to repair it will be less than your deductible. If you file a claim, your premiums could go up. A good tip to follow is to file a claim if the damage exceeds $1,000.
Typically, if you file one insurance claim in a 12-month period, it may not affect your premium. The more claims you file, the more your insurance agency considers you a “high risk” driver and numerous claims could lead to a possible cancellation of your coverage. Two or more at-fault claims in less than a year could increase your premium by 86 percent.
At ProCare Collision, we work with all insurance companies. Remember that you have a choice for an auto body shop. By choosing ProCare, you have the convenience of a personal service consultant who will work with you through every step of the repair process, including handling your insurance claims. Give our expert, certified team a call today to schedule repair to your vehicle and get back on the road.