Should you file this claim?
If there's a slight chance that someone may have suffered as a result of the accident, then you must file the claim. Otherwise, if you choose not to file it, you won't have the insurance policy to protect you from a lawsuit.
There are, however, situations where it makes sense to not file a claim. For example, you may not need to contact your insurance carrier if you hit a mailbox while backing out of your own garage.
Your decision about filing a claim should be based on whether the cost of repairing your home, vehicle, or anything else is less than or comparable to the cost of your insurance policy deductible. When in doubt, please contact us to discuss your options.
