When Should I Pay For Repairs Out Of Pocket?

It’s good to have Anthony Lancaster Insurance Inc. on your side when you are involved in an accident in Memphis, TN, and you need a little help covering the damages. But, there are plenty of times when there’s no real need to call the insurance agency and cover the damages out of pocket.

The most obvious instance, of course, is when the damages do not exceed the deductible. For instance, you might be able to replace a rear-view mirror for twenty bucks. Twenty bucks is cheap enough that it’s barely even worth the time it would take you to file the paperwork, let alone the cost of your deductible.

Even when your damages exceed your deductible, they might not exceed your deductible by enough to be worth filing a claim. If you would only be saving a few dollars by calling your insurer, you’d probably prefer not to have that mark on your record or have your rates bumped.

With all of this being said, if another driver is involved and insists on going through your insurance companies, then there’s not much you can do. But when it’s up to you, you’re under no obligation to call your insurance company about every dent and scratch.

If you have any questions or if you’re looking to get coverage for your car in Memphis, TN, get in touch with Anthony Lancaster Insurance Inc and see about getting a good deal on a great auto insurance policy. We hope we never need to call our insurance company and make a claim, but it’s good to know they’re there if we do.