Filing an auto insurance claim should be a straightforward process, but many drivers make mistakes that can lead to delays, claim denials, or reduced payouts. Whether you’re dealing with a minor fender bender or a major collision, knowing what NOT to do can save you time, stress, and money.
In this guide, we’ll highlight common mistakes to avoid when filing an auto insurance claim and best practices to ensure you get the coverage you deserve.
🚗 1. Not Reporting the Accident Immediately
Some drivers hesitate to report an accident because they think the damage is minor or worry about insurance rate increases. However, delaying your report can:
❌ Lead to claim denial if the insurer suspects fraud.
❌ Cause disputes about fault, especially if there are no police reports or witness statements.
❌ Make it harder to gather evidence, like accident scene photos or vehicle damage assessments.
✅ Best Practice: Report the accident to both law enforcement (if required) and your insurance provider as soon as possible.
📸 2. Failing to Document the Accident Scene
Without proper documentation, it becomes your word against the other driver’s, making it harder to prove your case.
🚨 Avoid these documentation mistakes:
Not taking clear photos of vehicle damage, license plates, and road conditions.
Forgetting to collect witness contact information.
Neglecting to get a police report (if applicable).
✅ Best Practice: Take detailed photos and videos immediately after the accident and write down important details like time, location, and road conditions.
🔍 3. Admitting Fault Too Soon
After an accident, avoid saying anything that suggests you were at fault, even if you think you caused it. Saying things like “I’m sorry” or “It was my fault” can be used against you during the claim process.
✅ Best Practice: Let insurance adjusters and law enforcement determine fault based on evidence. Stick to the facts when giving your statement.
📝 4. Not Understanding Your Coverage
Many drivers assume their insurance covers all damages, only to be surprised by:
❌ High deductibles they didn’t anticipate.
❌ Limited coverage for rental cars or towing services.
❌ Denied claims due to excluded events (e.g., certain natural disasters).
✅ Best Practice: Review your insurance policy details before filing a claim so you know what’s covered and what out-of-pocket costs to expect.
🚨 5. Accepting a Low Initial Settlement
Insurance companies may offer a quick settlement, but that doesn’t always mean it’s fair compensation.
❌ If you accept a lowball offer, you may end up paying for additional repairs out of pocket later.
❌ If hidden damage is found after repairs begin, your insurer may refuse to cover extra costs.
✅ Best Practice: Get an independent estimate from a trusted auto body shop, like Cyclone Collision Center, before accepting any settlement.
⚠ 6. Not Using an Approved Repair Shop
Some insurers may pressure you to use their “preferred” repair shop, but you have the right to choose a reputable collision center.
🚨 Why this matters:
Some preferred shops may use cheaper parts instead of OEM (original equipment manufacturer) parts.
You might not get the best repair quality, leading to safety risks down the road.
✅ Best Practice: Choose a certified auto body repair shop, like Cyclone Collision Center, to ensure quality repairs that restore your vehicle’s safety.
⏳ 7. Waiting Too Long to File a Claim
Each insurance policy has a deadline for filing a claim. If you wait too long:
❌ The statute of limitations may expire.
❌ The insurance company may dispute your claim, saying the damage wasn’t from the accident.
✅ Best Practice: File your claim as soon as possible to avoid complications.
🔧 Trust Cyclone Collision Center for Insurance-Backed Auto Repairs
For over 40 years, Cyclone Collision Center has helped Brooklyn drivers navigate insurance claims and get top-quality repairs.
✅ We Work with All Major Insurance Companies
✅ Fast & Reliable Collision Repairs
✅ OEM-Quality Parts for Maximum Safety
✅ Expert Frame Straightening & Auto Glass Repair
📍 Need help with your insurance claim? Contact Cyclone Collision Center today! 🚗💨
Final Thoughts
Filing an auto insurance claim doesn’t have to be a hassle—avoiding common mistakes can ensure a smooth process and a fair settlement. Always document the accident, know your insurance policy, and work with a trusted repair shop to get the best results.
Have an insurance claim? Let Cyclone Collision Center handle the repairs with expert care and professionalism!