Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Filing Car Insurance Claims and other Car Insurance topics.
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.