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When NOT to File an Auto Insurance Claim

Just because you have auto insurance on your car does not mean you should always file a claim.

* If the problem with your car is maintenance-related, do not file a claim.
* If the cost of the repair is less than your car insurance deductible, do not file a claim. (You're going to have to pay anyway; why risk the almost certain increase in your monthly premium?)

There is some evidence to suggest that simply inquiring about filing a claim can count against you when your car insurance policy is reviewed, so submit a claim with care.
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