Here are some situations in which you might want to file a claim with your car insurance company:
1. Extensive Damage: If the damages to your car or the other party's property are significant, filing a claim may be worthwhile. The cost of repairs or replacements may exceed your deductible, making it financially advantageous to file a claim.
2. Your Car is Not Drivable: If the damage to your vehicle is severe and it cannot be driven, filing a claim can assist in covering the cost of towing and repairs.
3. Injuries: If anyone involved in the parking lot accident sustained injuries, filing a claim is crucial. Medical expenses and lost wages can accumulate quickly, and your car insurance coverage can provide financial protection for these costs.
4. Fault of Another Party: If the accident was caused by the other driver's negligence, you might want to file a claim against their insurance company to seek compensation for the damages to your vehicle.
5. Uninsured or Underinsured Driver: If the at-fault driver is uninsured or underinsured, you may need to file a claim with your own insurance company under your uninsured/underinsured motorist coverage.
6. Claim Denial: In some cases, an insurance company may deny a claim. Filing a claim with your own insurance company can provide a second opinion and potentially lead to coverage for the damages.
Before filing a claim, thoroughly evaluate the extent of the damages and carefully consider your options. It is advisable to consult with your insurance carrier or a legal expert to determine the best course of action in such situations.
