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Auto Insurance Claims/Claim filed but no further contact with the insurer

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Expert: - 3/11/2009


Question
My car was scratched by the bend tree branches due to the snow. I filed a comprehensive claim and told an adjuster I would have it estimated. If the repair costs are lower than the deductible, should I inform my insurer of the cancelation of the claim? If I never inform my insurer about the actual costs because the cost is lower than the deductible, will my case be automatically closed?  

Answer
Hi Luo,

You should get a repair estimate and if the cost is below your deductible, you should call your insurance company to tell them to close the file. It is possible they will close it themselves but you should call them to be sure.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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