Should I Make an Insurance Claim?

We get this question all the time:
"Should I file a claim with my insurance company?"

Unfortunately, it’s not a simple yes or no answer—it depends on a number of important factors.

Here’s what to consider:

• Will my insurance rates go up?
  Possibly. But it depends on more than just the claim itself.

• Who’s at fault?
  If you're not at fault, your rates may not increase—but it varies by insurer and state laws.

• Claim history and frequency:
  Multiple claims in a short period can raise red flags and increase premiums.

• What kind of damage is it?
  There's a difference between hitting a deer (often considered a comprehensive claim) and hitting your garage door (typically a collision claim). Each is handled differently.

• Are there any injuries?
  Injury claims tend to carry more weight in terms of premium increases and legal implications.

• What’s your insurance score and risk pool performance?
  Even if you haven’t made a claim, rates can still rise based on how your insurer’s overall risk pool is performing. Yes, it's frustrating, but it's how the system works.

Let Midtown Collision Help You Decide

Before you make a decision, talk to us. We can:

• Write a professional estimate

• Discuss your repair and claim options

• Help you file with your insurance if it’s the right move

We’re here to guide you through the process, not just fix cars.

✅ Check out our 5-star reviews on Google to see what others are saying about working with Midtown Collision!