Should I file an auto insurance claim?
There’s no one-size-fits-all answer, but a few simple factors can help you decide.
➡️ If the damage is minor and no one else was involved, start by getting a repair estimate. When the repair costs less than your deductible plus a possible rate increase (which can affect premiums for years), paying out of pocket often makes more sense.
➡️ If the damage is significant or another driver was involved, filing a claim is typically the right move. Your insurer can manage estimates, repairs, and any liability issues.
Use the list below to weigh your options and choose the path that fits your situation.
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If anyone is injured
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If fault is unclear in the collision
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If your vehicle is deemed a significant or total loss
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Minor damages that cost less than or equal to your deductible
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Situations where an increase in your insurance rate outweighs the benefit of filing a claim
Still unsure? Follow this guide:
- Start with property damage.
→ Get a repair estimate from a trusted local mechanic. - Check how a claim could impact your rates.
→ Our data indicates that a collision claim could raise premiums by 25-50% on average, for a period of three years.[1] - Do the math.
→ Compare your repair estimate to your deductible and your projected premium increase (spread over three years).
How to file a car insurance claim
Filing a claim is usually straightforward. The Insurance Information Institute and most insurers recommend contacting your company immediately after a car accident—either by phone or via their mobile app.[2]
💡 Zebra tip: Take plenty of photos and videos after an accident. You may not need them all, but it’s better for your insurer to have more visuals of the damage than not enough.
Call your insurer or use their mobile apps to report the incident and upload photos of the vehicle damage.
Share any requested forms, including a police report if available.
Check if your policy covers rental cars or alternate transportation while your vehicle is in the shop. This may be part of your coverage—or an add-on worth considering.
💡Pro tips after an accident
Call the police
Filling out a police report is a great way to document the facts of the accident.
Don’t admit fault
Resist the urge to apologize, as even a simple “sorry” can imply guilt—let the insurers sort out fault.
File quickly
Stick to your insurer’s deadlines to avoid delays or denial.
How much will my rates increase after a claim?
On average, filing a claim can raise your insurance rates by 25% to 50%, though the exact increase depends on your insurer and sometimes your state.[1] If your policy includes accident forgiveness, that first rate hike might be waived entirely.
What to do if your claim is denied
If you have a car insurance claim you feel was unfairly denied, you are not alone. Over 75% of people have experienced an insurance claim denial at some point.[3] There are some actions you can take. Have a look at the options below:
✔️ Appeal to your insurer: Start with a formal appeal. Include all evidence—police reports, photos, and your policy info.
✔️ Contact your state: If the insurer won’t budge, reach out to your state’s insurance department. Many offer consumer support or complaint processes.
✔️ Hire an attorney: For serious disputes, legal help can uncover why your claim was denied and possibly reverse the decision.
⚠️ What if the claim amount isn’t enough?
The claim payout amount should reflect the cost to repair your car or, in some cases, its actual cash value. If the amount your insurer offers seems too low, ask for a breakdown of how it was calculated and provide documentation that supports a higher value.
This can include repair estimates, details about your vehicle’s trim or edition, and proof of aftermarket additions that increase its value. Photos or records from before the damage can also help ensure the claim amount accurately reflects your car.
