Should I check on the status of my claim?
I was in an accident last November and was deemed at fault. Since then, I’ve purchased a new car and got it registered and insured. However, my claim remains open. Should I reach out to inquire about it? Also, once the claim is resolved, will my insurance premium increase? When I insured my new car, my premium was actually lower than my initial policy, and I confirmed that this new rate factored in the at-fault accident. If that’s accurate, I’m really thankful, but I’m concerned that once my claim is finalized, I might see a spike in my premium.
It’s definitely a good idea to follow up on your claim, especially since it’s still open after several months. Contacting your insurance company for an update can help clarify the status and give you peace of mind. They can also explain the process moving forward, including any potential impacts on your premium once the claim is closed.
Regarding the impact on your insurance rates, it’s not uncommon for insurers to take various factors into account when determining premiums. Your current premium may reflect the at-fault accident, but it’s possible that your rates could change when the claim is officially closed. If you’re worried about a potential increase, it might be helpful to ask your insurance agent directly how the closure of your claim could affect your rates in the future.
Overall, staying proactive about the claim and communicating with your insurer can help you navigate this situation more smoothly.