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| When should I file an insurance claim? By The-Adviser.com - |
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SERVICES WHY US |
New York -
Regardless of what insurance companies tell you, we understand why everyone fears
reporting a minor accident. This is especially true when it is not your fault. General wisdom has it that minor claims will cause your insurance company to increase your premiums or worse, they may not renew you. We agree. Insurance companies generally have standard practice as follows:
Nevertheless, we believe that you should report all accidents that affect other people or other people's. Why? No matter how small an accident may seem at the time - facts can change, people forget their memories and people call their attorneys. Although you should check specific legal requirements of your state, generally, if you do not have to report a minor accident in which only your car or property was damaged (i.e, car swerved and hit a curb), we believe that you should consider absorbing the loss of repairs yourself. The same goes for any damage below the amount of your deductible. The Independent Adviser Corporation is a 100% Independent and 100% Objective Financial Advisory Firm that writes buy-side investment research. Our network of independent Fee-Only Financial Advisers serves individuals, families and businesses. They provide financial planning services, tax advice and offer professionally managed asset accounts. They do not underwrite corporate securities nor do they sell any proprietary products. To find out more or get a FREE consultation Ask The-Adviser.com.
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