It can be tempting to file an auto insurance claim when you’re involved in any type of accident. However, for smaller accidents that only do minor damage to vehicles, sometimes it may make sense to forego filing a claim.
By working out a deal with the other involved party, you can prevent insurance rates from spiking as a result of the incident. To do this, both people need to be on the same page. If the other person wants to get the insurance company involved, yours will likely be involved, as well. Also, if there are injuries, it is best to make a claim. But if the only damage is a broken taillight, it probably makes sense to write a check and be done with it.
To prevent future legal issues, make sure to document the fender bender with pictures of any damage to the vehicles. Collect the other driver’s information in case you need it down the road.
Regardless of what you ultimately decide to do, it is always a good idea to contact Deeley Insurance Group following any accident, large or small. We will help you weigh the advantages and disadvantages of filing a claim, so that you can make an informed decision.