Why do some people not want to submit claims to their insurance?

"If you have full coverage, why wouldn't you use it?"

Answer provided by
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Emily Maracle
Answered on Jul 28, 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.
“There are a variety of reasons why people don’t file claims, even if they have comprehensive insurance and collision insurance.
People are often afraid their insurance premiums will rise by submitting a claim. This can happen, but as long as you have a fairly clean driving record, it shouldn’t have a huge impact on your rate.
Another reason is deductibles. Insurance companies require that insureds have a deductible for both comprehensive and collision coverage. Before your insurance will cover costs, you have to pay the deductible.
To save money, people often have high deductibles. It may not be worth submitting a claim if the cost of repairs is only $100-$200 over your deductible. Additionally, if the cost of damages is less than your deductible, you wouldn’t be able to submit a claim at all.”
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