Understanding Car Insurance Claims

Car insurance claims can help you during an accident, as you can get c0vered for damages caused to your vehicle. However, you need to know how many times you can claim your auto insurance in a year. Is there any limit to the number of claims you make? Let’s check this out.

No-Fault Claims

For legitimate reasons, there are no limits to the number of claims you make. However, this is specifically for incidents that were not your fault.

However, these claims require deductibles. Every time you make a claim, you must pay your specified deductible, and the remaining amount is covered by your insurance. For example, if the damage costs $300, your deductible is $250, and you need to pay that; your insurance pays only $50.

For minor damages, the cost will be paid from your deductible. If you file a car insurance claim for every accident, the insurance provider may increase your insurance rate.

At-Fault Claims

However, if an accident is caused because of your fault, you will have limits on insurance claims. Typically, if you have more than two at-fault insurance claims in three years, either your insurance rate will be increased or you will not be able to renew your policy.

Some insurance providers ignore the first auto insurance claim as part of your forgiveness policy. Sometimes, you need to pay extra to add the forgiveness policy to your coverage. Adding this ‘accident forgiveness’ coverage to your policy is a good idea if you worry about increased premiums.

Comprehensive Claims

If your car gets damaged by a flood or vandalism, you can file a comprehensive insurance claim. This does not affect your premiums unless you make too many claims in a short period.

Before making car insurance claims, you need to determine whether it benefits you. For assistance with all your coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, Pennsylvania. We will help you find the best auto insurance policy.