It may seem like a good idea to file a motor insurance claim every time when there's any damage to your vehicle. However, it is not always advisable to do so. Here are a few situations where you don't need to make a motor insurance claim:
If there's a minor damage to your vehicle, and the cost of repair is not very high, it is better to pay for the repairs out of your own pocket instead of making a claim. This is because filing a claim may result in an increase in your premium, which may end up costing you more in the long run.
No Third-Party Damage
If the accident only involves damage to your own vehicle without damaging to any third-party property or vehicle, it may not be necessary to make a claim. In such cases, it's better to pay for the repairs yourself to avoid the hassle of filing a claim.
If the accident is not your fault, and the other driver's insurance company is willing to cover the damages, you do not need to file a claim on your own policy. This will help you to avoid any increase in your premium policy and save you from the hassle of filing a claim.
Below Deductible Amount
If the cost of repairs is less than the deductible amount specified in your policy, it's not worth filing a claim. This is because, ultimately you will have to pay the deductible amount by yourself, and the company will only cover the remaining amount.
In all these situations, it's better to avoid filing a claim, as it can save you money in the long run and prevent you from any increase in your premium. However, it is important to note that it is always advised to consult with your insurance provider and seek their advice on the best course of action in your specific situation.