Should You File a Claim for Minor Auto Damages?

Old Pueblo Insurance in Oro Valley, AZ, is your ally when your vehicle is involved in an accident, guiding you through the claims process. But when damages are minor, does filing a claim truly matter? Let’s evaluate the potential risks of not filing a claim even on trivial damages.

Potential Consequences of Not Filing a Claim

In Arizona, it’s not obligatory to file a claim for damages under $1,000. However, avoiding making a claim could risk your coverage for directly related issues that might not be evident immediately.

The Importance of Assessing the Damage

In some situations, damage may appear minor, but there could be underlying issues that aren’t immediately visible. For example, what may seem like a small dent or scrape could be hiding more serious internal issues, leading to expensive repairs down the line. If you don’t file a claim and these problems surface later on, you could find yourself facing hefty costs that your insurance may not cover since the initial incident was not reported. Therefore, even for minor damages, it’s advisable to file a claim to guard against potential hidden problems and ensure you’re financially protected.

For instance: If you accidentally knock down your neighbor’s mailbox, offering to replace it may seem sufficient. But assuming responsibility and failing to report the accident could potentially result in expensive penalties if your neighbor experiences consequential loss, like missed mail leading to missed deadlines. Should this result in a lawsuit, your insurance company may not cover you if you do not file a report.

Contact Old Pueblo Insurance for Guidance on Claims

Leaving yourself without the security of your insurance policy is a gamble. For support on both small and large claims, contact us at Old Pueblo Insurance, serving Oro Valley, AZ, and surrounding regions.