Auto Insurance Claims/Claim


QUESTION: I accidentally hit my car to a tree and damaged my car. The damage is quite big. Is this type of accident quality for a claim thru Insurance?
I do have complehensive deductible $500.
Thanks in advance for all your help!


ANSWER: Yes!  You can file a claim for that, and it could be classified under the comprehensive section of your policy!

If you have further questions, please let me know!  I hope this helps!

---------- FOLLOW-UP ----------

QUESTION: Thanks and one more question..

I am thinking of getting a new auto insurance. Will this comprehensive claim affect my future insurance rate ?
I have no claim or accident within 10 years.

I can't be for sure without calling your new carrier's underwriting department and finding out.  Each insurance company has their own rule regarding how accidents count.  The new company will find out about the claim sooner or later if you file it, so no need worrying about trying to hide it.

Now, even so, I have been in the industry a long time, and one claim in 10 years should not affect your rating class, but if the damage is extensive (like 10K or more) , it is possible that the claim could cause a nominal increase in your premium.  

I think that it is important to take into consideration that insurance is meant to take care of a large loss you can't afford on your own, so if that is the case, use the insurance, it won't make that big of a difference in your rate if it even affects it at all.  

I hope this helps.

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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