Should I file an insurance claim if I am not at fault

Always File a Claim, Regardless of Who Was At-Fault One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.

How does insurance work when its not your fault?

How does insurance work when a car accident is not your fault? Typically, the negligent driver's insurer will cover accident damages. If the at-fault driver's policy does not have adequate property liability coverage to cover the full value of your car, your collision insurance should handle the rest of the balance.

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.