Claiming on your Car Insurance – Yes or No?
Car insurance can help get you out of some difficult situations, and there’s no doubt it is impossible to drive without it. However, it will sometimes be more beneficial for you to not claim on your insurance, depending on what the situation is and the damage that has been done. If this is the case, you should instead pay for the repair yourself.
If someone else has damaged your car, then you may find that they want to come to an agreement with you that doesn’t involve insurance. This is because claiming on insurance can really increase your premiums, so they may prefer to pay for a repair privately. See what they want to do, but bear in mind that if you have a car on finance, it will often state in your contract that any repairs must go through insurance, so you would be going against your contract not to claim.