When Should You File an Auto Insurance Claim?

Getting into a car accident or discovering damage to your vehicle can be stressful, as is deciding whether to file an auto insurance claim. For drivers in Nevada, where traffic incidents can range from fender benders to more serious collisions, knowing how and when to take the next step can make a difference in the outcome.

Not Every Incident Requires a Claim

While your insurance is there to help with damage and liability, not every situation calls for filing. For example, if the damage is minor and the cost of repairs is close to or lower than your deductible, you may handle the expense yourself. Filing a claim in this scenario could raise your premium without delivering much financial relief.

However, it’s often best to notify your insurer if there’s significant damage or injuries or you’re unsure who’s at fault. Accidents involving other vehicles, pedestrians or property damage beyond your vehicle should also be reported. In these cases, your policy may help with repairs, medical costs or legal expenses, depending on your coverage.

What to Consider Before Filing

Timing is important. Most insurers have a set window in which claims must be filed. Take photos, gather driver information and contact your agent immediately after an incident.

Consider the potential impact on your future premium. Filing multiple small claims in a short period can sometimes lead to higher rates. If you’re unsure about filing, speaking directly with your agent can help clarify what to expect and your options.

Learn More

Liberty Choice Insurance in Las Vegas, Nevada, can help you navigate the claims process and answer questions specific to your policy. If you’ve been in an accident or are weighing whether to file, reach out to discuss your options with someone who knows how the process works from start to finish.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.