Spring Auto Accident Insurance Tips

Rainy spring weather combined with throngs of vehicles on the road eager to get outdoors after a long winter creates the perfect storm for messy commutes.  Add to the mix all of the road work and detours  as municipalities work to repair winter road damage, and messy too often takes a turn to treacherous.  On one particularly accident-heavy day, Minneapolis state police “…reported a total of nearly 300 crashes statewide, with 150 of those in the metro area, between midnight and 3 p.m.”

Following an auto accident, once any injuries have been addressed and/or police reports filed where required by law, many drivers assume that the next step should be a call to the auto insurance company.  While there are times when notifying one’s insurance company is the wisest choice to make, “…just because you have insurance does not mean you have to use it.” Insurance agency owner Ron Hettler suggests that filing a claim should be reconsidered primarily ”…if expenses could be covered at a lower cost than the deductible.”

So which auto accidents warrant filing a claim, and for which should a driver pay for repairs out-of-pocket?  Hettler suggests calling the insurance company if an automobile has suffered a burst pipe, a crash, or a bruised bottom. He stresses the importance of being armed with as much information about the accident as possible when making the call.  This might include photographs, and any medical reports, police reports or other official documents or correspondence related to the accident.

If, however, none of the above applies, and the cost of repairs to a vehicle will not exceed the auto insurance policy deductible, filing a claim will probably prove fruitless, and you should plan to make an out-of-pocket payment to your auto body shop.

To talk more about this, or anything else, please contact us.  Thank you.

photo credit: En Vauxhall bliver demonstreret af sælgeren via photopin (license)

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