Many people file claims for less costly repairs, like cracked or chipped windshields or small dents. We like this article because it serves as a good reminder to think twice before filing a claim for something small that may cost you less, in the long run, to fix yourself.
The same applies to Homeowners insurance as well. (Read this post we recently shared on Facebook for tips on when not to file a home insurance claim.)
Insurance is designed to be used for catastrophic events, not to be used as a "maintenance policy." Often, it's in your best interest to check with your agent before filing a claim, and to actually pay it out of pocket instead of turning the claim in to your carrier. The reality of the matter is, most consumers want to get every penny that they can out of their insurance carrier, because they feel taken advantage of by paying so much into their policy premiums and getting nothing out of it. We can't tell you how many times we hear "that's why I have insurance," from our clients and friends. Still, our job as agents is to educate and have them think twice, and consider the consequences of turning in too many claims, which is not to their advantage and will cost more in increased premiums costs in the long run.
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