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What should you do if you back into a pole in a Wayzata, Minnesota shopping center and put a big dent in your bumper? You know your husband is going to see it, so you just can not pretend it never happened. The real question is whether or not you should file a claim with your auto insurance company.
The collision portion of your auto insurance policy will cover the damage that is above your deductible. If the damage was, say, $750, and your deductible is $500, the best you could hope for is a check for $250. You might be hesitant to file a claim in such an instance because it could raise your rates the next time you have to renew your Minnesota auto insurance policy.
As your independent agent, we run into this type of dilemma all of the time. While the decision as to whether you should or should not file a claim is up to you, we can give you some solid information about what the effect of filing a claim will be on your auto insurance rates.
An independent agent works for you and not for any individual insurance company. We can provide you with unbiased advice that you can not get by talking directly to an insurance company. If it is in your best interest to not file a claim, we will tell you why.
If you develop a long-term relationship with an independent agent you like and trust, you will have someone who can look out for all of your insurance needs. Here in Wayzata, we like to get to know our clients so we can serve them better. Over time, your various insurance needs can change. We can counsel you on how best to cover those changing needs and provide you with the right policy or policies so you are properly insured throughout your life.