How Many Car Insurance Claims Can You Make in a Year?

Whether you are just unlucky or you’re a less than perfect driver, you may find yourself in a position where you need to file multiple car insurance claims in a year. If this is the case, you should be aware of your insurer’s restrictions and if this is even possible. Here is what you should know about filing claims on your auto insurance in Valatie, NY multiple times.

 

Car Insurance Claims a Year

 

Most insurance companies have no specific limit for general claims. As long as you are making the regular premium payments on time and are only filing due to legitimate problems, then you shouldn’t have a problem filing multiple claims in a year.

 

However, many insurance companies do have limits on at-fault insurance claims. If you have two or more at-fault insurance claims in a three-year period, then your insurer will likely label you as high-risk, and your premiums may rise as a result. When it comes time to renew your policy, your insurer may drop you from coverage. Even if you file multiple claims within a week of each other in the three-year window, your insurance company will treat them as multiple claims on your record.

 

Remember that with each claim you file, you will need to pay your deductible first before your insurance can step in to help. If your deductible is $1,000, you will need to pay this first so then you can claim compensation. Don’t be fooled into believing you can make an insurance claim for every minor issue with your vehicle and then get insurance to cover it for free.

 

Insurance premiums may rise every time you file a claim. This is more common for at-fault claims. Consider if you need to file a claim if you can handle the costs of vehicle repair on your own.

 

Do you have any questions when it comes to your auto insurance policy? Call the professionals at Kneller Agency today to get started on quality coverage you can count on.

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