Avoid Filing For Very Minor Losses When You Can Settle Cleanly

If there are no injuries, no third party property damage, and the cost is clearly below your deductible, a claim may not be worth it. Frequent small claims can affect future pricing with some carriers. Still, do report the incident if your policy requires notice, and keep photos, estimates, and written agreements. When unsure, ask your insurer about options without committing to a payment claim.