Does It Make Sense To File A Car Insurance Claim For A Minor Damage?

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“Paying from your own pockets for minor damage is something quite usual. Always asking for financial compensation for scratches or dents will make car insurance more expensive”, said Russell Rabichev, Marketing Director of Internet Marketing Company. has released a new blog post that explains if drivers should fill car insurance claims for minor accidents or should they pay from their own pockets.

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Car insurance is supposed to provide financial support whenever the vehicle is damaged by a covered event (collision, vandalism, animal attacks or extreme weather). But does it really worth the money to fill claims for minor damage? Find out more and get the best coverage deals from

When a serious accident happens and the car is seriously damaged, the driver should immediately contact the insurance company and file a claim. But what happens if the car is just scratched or the paint is damaged a bit? Does it make sense to contact the insurer and ask for reimbursement?

  • It all goes back to basic math. How much does it cost to fix the damage without involving the insurance company? Is the repair more expensive than the deductible? Will the premium increase be more expensive than the repair?
  • If all it takes to fix a scratch is something around $100-$150 at a repair shop, filing a claim may not be advantageous. The insurance company will slowly increase the rates and will recover those $100 in 6 months or a year. But what is more important, the claim will be recorded.
  • Filling multiple claims for minor damage or in a relatively short time will heavily impact the premiums. Keep in mind that auto insurance is based on the risk of making a claim. Plus, it will affect future bonuses, like no-claim discounts. is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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