Do I have the option not to file a car insurance claim in Hawaii if I can afford to pay for damages? What are simple rules I can keep in mind regarding filing claims?

Alona

Honolulu HI

It may be very hard to keep a clear mind about what you have to accomplish while you are in a car accident. Although it is better to call up your car insurance agent immediately while you are in the accident scene so that he will be the one to do the necessary tasks related to your car insurance claim, there are times when your agent will not be always available. Thus, knowing now what needs to be done can help you get things done the moment you will be in an accident in the future.

First and foremost, you may have to ask yourself whether you will need to file a car insurance claim for this accident or not. For some people, they will not file a claim against their car insurance policy if they can afford the repairs of damages themselves. Remember, each time you file a claims against your insurance policy will be put on record and thus, in the long run, you will not be able to avail of huge discounts brought about by no-claims bonuses since you won’t qualify for it already. But it is your choice since you have the right to file claims against your policy because you were paying for it from your hard earned income. You may have to weigh the pros and cons of filing claims for this certain accident. It pays to have a claims-free record for the huge discounts we can get in our insurance.

While in the accident scene, it is imperative that you get as many pictures as you can as well as details and notes about the people around the area and the other party’s contact and car details. Also, don’t leave the scene without the police report. These data will be vital in faster processing of your claims.

If you will have to make a car insurance claim, file it as soon as possible and make sure you always have your receipts and records related to the accident.