When Not To File an Insurance Claim for Glass Repair
In Minneapolis, as with any other city in the US and in Minnesota for that matter, one of the things most people do when they find that their auto glass is in need of repair or replacement, is to contact their insurance adjuster before they try to find a Minneapolis auto glass repair company to work with. Some glass repair work may not be covered by your auto insurance, and repairs are often less than deductibles. Whatever the case may be, before you file an auto insurance claim, one of the things you need to do is to contact Only 1 Auto Glass find out first whether or not you should file a claim for it.
When is it advisable not to file an auto insurance claim for your vehicle’s glass repair? Here are some instances that you should keep an eye out for:
- If your auto glass is damaged and it is your fault. – If you find yourself involved in an accident and you are the one at fault, it might be a good thing to reassess your plans for filing a claim for auto glass repair for your car. When you are found to be at fault, your insurance premiums will increase and this is something you don’t want.
- If your auto glass problem is very minor and can be paid for easily out of pocket. – Some auto glass problems you may encounter may be too minuscule for you charge to your insurance policy but some people feel that since they are insured, they should just let every single scrape they get into be covered by their insurance policy. This is a big mistake since this very scenario could flag you as a high risk driver, which will result in your insurance premiums going up as well.
- If your deductible is actually bigger than the amount that is payable for repairs. – A deductible is the amount of money you need to shell out as part of your responsibility for the repairs with the rest to be covered by the insurance company. If, for example you have a repair estimate of $1000 and your deductible is $400, your insurance company will cover the remaining $600 while you cover the deductible of $400. Now, if the Minneapolis auto glass repair company you go to gives you a $300 estimate for auto glass repair and your deductible is $400, it would be somewhat pointless for you to file a claim when you will be covering the entire amount of the repair anyway due to the deductible.
These are but a few of the things you need to take note of when you are thinking of filing an insurance claim for repairs or replacements to be made on your auto glass. Making sure that you know what is worth claiming against your auto insurance will indeed help you avoid not only needless claims, but will also cut out some of the hassle of having to file a claim in the first place. You will also be able to avoid the possibility of raised premiums, or even worse, non-renewal of your policy.
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