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Thanks for the information. I had no idea that you probably shouldn’t file for a car insurance claim for times like getting into a one-car accident and not getting hurt; do you think my insurance agency would be bugged if I even tried to file a claim for something like that? I recently tried to do that, and now I’m wondering if I made a huge mistake. I’ll make sure I contact them and ask them what they think about that.

I really liked how you explained when not to call your car insurance company. As you said, not all accidents require the assistance of your insurance company. Their are some damages that you can repair with your own money. There are even some damages that you can repair by yourself! However, if you call your insurance company, they almost always will raise your monthly premium.

Thanks for the question, Ray. Whether you should file a claim or not in this instance depends on what kind of insurance coverage you have. Give one of our agents a call at 1.888.444.8949 and they will be able to advise you based on the details of your situation.

If you can delay getting in touch with your insurance company, I’d suggest getting an estimate at the body shop FIRST before calling them so you have a good clear indicator of what the TRUE cost of the repair is before they start trying to get you to swallow a dumbed-down version. Many times the insurance company will act along with the body shop to get the cost down and then state if you want the repairs done to make the vehicle like new, the rest of the cost is up to you. My father was a claims adjuster and he said insurance companies do this all of the time, they are PRAYING that you call them first and get an adjuster out ASAP to get a figure on it before going to the body shop. In fact, most body shops WILL NOT give you an estimate if they know an insurance company has already sent the adjuster. Why? Because they won’t get referrals for business if they do and they’ll get squeezed even more by the insurance company. Be smart and realize this: The insurance company is NOT your friend and never will be.

Hi Albert, We hope your wife wasn’t hurt! Regarding your question, your specific situation has a few factors, and your current policy details come into play. We’d recommend giving one of our agents a call at 1.888.444.8949 and they should be able to advise you with you a few more details. Hope this helps! The Zebra Team

Hi Gaylen, Feel free to give our agents a call at 1.888.444.8949. They can speak with you about your specific situation and advise whether it’s time to switch insurance, and if so, which companies, coverage, and pricing work best for you. They can also discuss policies and coverage in any state, if or when you decide to move. (See more here: ) Hope this helps! The Zebra Team

I think insurance company’s should have to pay you if you don’t have an accident in a years time. I don’t understand why they get money if you do and money if you don’t get into a accident. They win both ways.

18 months ago, I was at a friends’. We were all outside sitting around a fire. After a few drinks, the “friend” goes into his house and returns with a BB gun. My car was parked on the street. A tall hedge obscured the view of the sidewalk, street and my car. My car sustained 3 dents from BBs that had been fired through the hedge.

– Do I make a claim? – How is something like this investigated? – WOuld the police be involved?