Can I change my deductible or coverage levels before filing a claim with my insurance company?

I was driving on the freeway and an object from the road ended up damaging my car. I have a high deductible of $1,500 and to fix the damages, it'll cost $2,000 to $2,200. Before submitting my claim, can I call my insurance company to lower my deductible? Or can I switch to a new policy with a different carrier?

Answer
“Doing either of those things prior to submitting a claim would be illegal. Changing your comprehensive coverage and collision coverage deductible, or changing insurance policies to get better coverage prior to submitting a claim, is considered insurance fraud.
By committing insurance fraud, you can lose your coverage and face large fines and jail time, depending on the insurance regulations in your state.
While it is upsetting to pay a large amount of money for damage to your vehicle, the best thing you can do is pay your deductible and repair the damage. Once your claim is submitted and closed, you can change your deductible or shop around for a better policy to ensure this doesn’t happen in the future. “
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Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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