Before you file a claim against your car insurance policy, make sure you know the answers to the following questions:
* How much liability coverage do I currently have?
* Do I live in a no-fault insurance state?
* And what is my collision and comprehensive coverage deductible?
* Knowing these pieces of information will determine whether or not you eventually file the claim.
If the cost of your auto insurance deductible is higher than the cost of the claim, for example, you shouldn't file the claim, which automatically raises your car insurance premium costs.
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