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Category: Filing a Claim

How to decide whether to file a car insurance claim and how to file it well. These guides weigh the deductible against likely premium surcharges, explain what adjusters ask for, and show which documents make a claim easy to approve.

Before you file, compare the repair cost with your deductible and the premium surcharge an at-fault claim can bring for three to five years. Once you file, the insurer has a set number of days in most states to acknowledge and decide the claim, and you can hold it to those dates in writing.

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