HOOK
Before you file an auto insurance claim, ask this: will the repair cost actually beat your deductible? If not, a claim could do more harm than good.
[On-screen: car door dent, repair estimate, deductible amount]
KEY POINT 1
Your deductible is the amount you pay out of pocket before collision or comprehensive coverage kicks in. If the repair is $900 and your deductible is $1,000, insurance won’t pay anything.
[On-screen: simple split graphic: repair cost vs. deductible]
KEY POINT 2
Even if insurance could help, small claims can still raise questions at renewal. A common rule of thumb: if the damage is only a little over your deductible, it may be smarter to pay cash and keep the claim off your record.
[On-screen: rising premium icon, policy renewal calendar]
KEY POINT 3
But there are times you should file right away: if another driver is involved, if there’s a stolen car or a hit-and-run, or if the damage is major. In those cases, your insurer may need to investigate and help with the process.
[On-screen: hit-and-run, stolen vehicle, severe damage footage]
CTA
Bottom line: before you call your insurer, compare the repair estimate, your deductible, and the long-term cost of a claim. Want more practical car insurance tips? Follow along for the next one.
[On-screen: checklist graphic: estimate, deductible, renewal impact]
