Also, every company’s accident forgiveness policy is different, so be sure to do your research. THE SITUATIONS FOR WHICH YOU SHOULD ALWAYS FILE A CLAIM If anyone gets hurt, even a minor injury, youmust file a claim. In many instances, not doing so could void your liability coverage. You should also file a claim if you’re involved in an accident while driving a rental car. Your first step, however, should be to contact the rental car company. DISPELLING THE MISCONCEPTION: CLAIMS DON’T ALWAYS RAISE YOUR PREMIUMS Yes, it’s true that you will often see a premium increase when you file a claim — sometimes a significant one. But the fact that they always will is generally false. (Note: I say “generally” because there are companies out there that will increase premiums for any claim, even ones you could theoretically pay for with whatever change is in your pocket.) Each insurance company handles situations differently, so it’s always important to check with your agent, broker, or your insurer itself to see whether your premium will be affected. That said, the following are common instances where premiums are often not increased or are increased only minimally: ; ; If you’ve been a great driver and have a minor accident, especially if this after being with the same insurance company for a long time. ; ; In general, minor accidents are less likely to affect your
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