When to File an Insurance Claim
- When someone is injured. If you're in a car accident and you, the other driver or a passenger in either car gets hurt, that's an automatic reason to file a claim.
- When it's not clear who is at fault. ...
- When you suffer a total loss or can't afford to pay for the damages.
When should you not make a claim?
If repair costs are less than your deductible, if no one else's property is damaged, and if no one else is injured, there is generally no reason to file a claim. Remember, your deductible is the amount of money that you commit to paying out of pocket before your insurance company begins to pay you any benefits.
What are the steps to a claim?
In Alabama, you have only two years to file your claim. This is called the statute of limitations. If you file your claim after this time period passes, you will likely be barred from recovering any compensation for your medical expenses, lost income, and other damages.