Being involved in a car accident is no fun for anyone. When the worst does happen, you want to be sure you’re getting the best help possible. For this, you should file an auto insurance claim. Yet, for minor incidents, you may be tempted to pay for the repairs out-of-pocket to save filing a claim. But how do you know when to do this?


There are some situations in which you can get away with paying for the damages out-of-pocket. For example, if the damage is very minor, like if the cost to repair the damage is less than your deductible, then you might save money by paying for repairs yourself.


However, most damages are quite expensive. Whenever the damages are more serious, other drivers are involved, and there are medical expenses to consider, then filing a claim is likely to be the appropriate option. Even if the other driver doesn’t claim to be injured at the accident scene, injuries such as whiplash can take time to present themselves. If the driver then decides to file a claim to pay for medical costs, you may be left in the lurch. If you don’t file a claim immediately with your insurer, they may refuse to payout.


Getting into an accident can be very frustrating, but in most cases, it’s in your best interest to report the accident to your insurance company. Even if you can afford to pay out-of-pocket, you may be taking on serious risk by failing to report the car insurance claim.


Don’t wait to secure coverage. When looking to secure reliable auto insurance coverage, talk to the team at Tompkins Insurance Agencies. We will help you find suitable coverage for your needs and vehicle.