Small Claims

Okay.  What if the claim is small, absolutely no one was injured and there is no possibility of there having been an injury, and you aren't sure what to do.  Do you turn it in or not?   Our response is to err on the side of caution.  If anyone is in another car and you hit it (regardless of fault or how large or small the claim appears to be), turn it it. 

Still not convinced?  Then, below, please follow the inside information to help guide you to your answers.  Still, admittedly, you won't get a specific answer to your specific situation in this report.

Why not? Two reasons:

First, there are many factors that determine the true impact of a claim on your policy. For instance …

  • Each kind of insurance is subject to specific state laws and regulations – especially involving cancellations and claims.
  • Each insurance company has its own internal rules and practices.
  • And your personal claims history and circumstances may trigger those rules and practices differently than, say, your neighbor’s.

Second, once you have the facts and know what the impact will be, the decision to submit the claim or not is truly personal. What’s right for your neighbor isn’t necessarily right for you. Given the same facts you each might make a different decision.  But remember, if there is any equivocation or lack of certainty about any outcome, turn it in.

If you’re concerned about the potential impact of submitting your claim, contact us and discuss your situation!  This is just one of the many benefits of doing business with me and my dedicated team instead of some faceless 800 number somewhere.   Most likely, the fact that there is any doubt indicates that you should turn in the claim.    If you ran into a post and it will be $300 of a pound out and wax work, it is open for discussion; but, that is about it.  

We’re here to advise and counsel you, to explain how your insurance really works. We’ll give you the facts BEFORE you submit your claim and help you make the best decision for your situation.

Now … here are the more important factors that come into play. But first …

Click on a link below to learn more about what you should do before you file a claim.

  1. Damage to Your Property:

  2. Damage to Your Car 

  3. The Size of Your Loss

  4. Your Deductible

  5. Did Someone Get Hurt?

  6. Company Rules and Practices

  7. State Laws



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