Minor auto damage: Should I file a claim with my insurer?

What’s the difference between reporting an incident and making an insurance claim?

Reporting an incident means informing your insurer about what happened and providing details about the circumstances. Making a claim means asking your insurer for compensation for the damages you have suffered. This article is specifically about insurance claims.

Which minor auto damage justifies a claim with your insurer?

A cracked windshield, a deep scratch on a door or a minor parking-lot fender bender may seem minor. However, the bill climbs quickly once paint, sensors or parts are replaced. It might surprise you!

Experts in the insurance industry recommend carefully assessing the situation, especially if the damage is estimated at less than $1000. If repair costs are lower than your deductible, or if your insurance premium could go up, filing a claim often isn’t worthwhile.

How does a claim affect your premium and coverage?

By making multiple claims, even minor ones, you could end up with higher premiums. You could also see your coverage options change, your deductible increase or have to switch insurers.

The impact of a claim with your current insurer depends on:

• your responsibility for the car accident;
• how often you claim and how many claims you’ve made;
• the extent of the loss and the damage caused; and
• your driving record in the Fichier central des sinistres automobiles (FCSA) and your driving history.

Good to know: Some auto insurance products feature “accident forgiveness,” which prevents a premium increase after a first claim. Check with your insurance services provider to see if you’re eligible.

Which damage isn’t covered by my auto insurance?

Your auto insurance policy doesn’t cover every type of damage. For example, liability insurance alone doesn’t cover vandalism or windshield breakage. In that case, optional coverage such as all-perils or specified-perils coverage would leave you better financially protected.

If in doubt, check your insurance contract or ask your agent to find out exactly what’s included in your coverage.

How do you know if an auto claim is worth it?

Before making a claim, ask yourself these questions or talk to your insurance or broker:

• Do repair costs exceed my deductible?
• Does my insurance cover this type of damage?
• Is this my first claim or one of several?
• Can I afford to pay without making a claim?

Tip: Get a repair estimate before calling your insurer. It will help you assess whether filing a claim makes sense.

Can I have my car repaired at the shop of my choice?

Yes. You can choose the shop where you want your damaged vehicle repaired, whether or not you file a claim with your insurer. Don’t wait too long: depending on the damage to your auto, the level of urgency can vary. CAA-Quebec’s Approved Auto Repair Services network includes auto body shops, windshield specialists and more. Members also enjoy perks.

Do I have to report an accident if I don’t file a claim?

Yes. You’re required to report any accident to your insurer or broker, even if you plan to pay for the damage yourself. Why? Reporting your accident lets you put your version of events on record. Otherwise, only the report from the other driver involved may appear in your file.

All claims are recorded in the Fichier central des sinistres automobiles (FCSA) for 6 years. If you don’t file a claim after an accident, your insurer will also record it in your file.

Want to better understand auto insurance?

CAA-Quebec and the Groupement des assureurs automobiles (GAA) answer your questions in a series of fun videos. You can also read our other tips or listen to our podcast to choose the right auto insurance with peace of mind.