PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
When should I submit a claim to my insurance for vehicle damage?
"Should I submit a claim for damage to my leased vehicle during bad weather? I live in Illinois, was the only one involved, and have full coverage. My deductible is $500 and the cost to repair the damage is $650."
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whenever you submit a claim to your own insurance for
comprehensive insurance
or collision insurance
, you are responsible for paying the deductible. Once you pay, your insurance will cover the rest.In this case, your insurance would cover the additional $150 to repair your vehicle, though you’d still be responsible for the $500. You’ll need to decide whether the additional $150 is worth it to you.
If you can easily pay the additional $150 or can wait to repair the damage until you save the money, you should avoid submitting a claim. Your rate could increase and you may end up paying more than $150 in insurance premiums.
If the $150 isn’t possible for you, you’ll want to file a claim to get the car fixed. If your rate does increase, you can always shop around to find a better rate using an online comparison tool like
Jerry
.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
