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You should file a claim whenever something happens that your policy would cover. So, for example, if you have comprehensive coverage and your car was vandalized or stolen, you would file a claim for the related loss.
Unfortunately, in many cases a non-fault claim will increase the cost of your car insurance, although it shouldn't have as much of an effect as making an at-fault claim would. Some providers can raise your premiums by up to 30% for one non-fault claim, and by up to 50% for two non-fault claims.
When you file a claim, you'll be asked to provide some basic details, such as where and when the accident or incident took place, contact information for everyone involved and a description of what happened. You might also be asked to give an estimated cost of the damage from the accident?if you have that available.
In most cases, if you aren't at fault in a car accident, the other driver's state-mandated liability insurance coverage would pay for damage to your car, property and for medical bills for injuries, up to the limit of the policy. This is especially useful if your policy doesn't have adequate coverage.
What You Should Not Say to Your Insurance Provider After a Car Accident Don't admit fault. Don't say you aren't injured. ... Don't sign any release to release your medical records without checking with your lawyer. Do not accept any sort of settlement without consulting with an attorney first!