An Accident Won’t Always Raise Your Car Insurance

insurance7We’ve all been in that situation before. Maybe you were driving home from work and you hit a bird. It created a dent in your bumper. At first, you think the repairs are only going to cost you a couple hundred dollars, but then you realize that the bird also hit part of your front light and now the electrical system is messed up. So, your out of pocket costs are more expensive. Most people think ‘I don’t want my insurance rates to go up, I’ll just pay for it myself.’ However, having a claim on your record is not necessarily bad. Especially in this type of situation.

Most insurance companies will not cancel you after one claim and might not even raise your rates unless you were at fault. It is a good idea to talk with your insurance company ahead a time about their policy regarding rate increases so you can make wise decisions when it comes to using your insurance. Because the truth is, you have insurance you might as well use it. And the good news is insurance companies say that they are able to renew the majority of customers who have policies with them. This means, the risk of filing a claim is relatively low.

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