When your car is damaged, your first instinct is probably to contact your car insurance provider and file a claim. But, can you cancel an insurance claim after you file it if you change your mind?
Generally, yes, you can cancel an insurance claim that you file by simply contacting a representative of your insurance provider. You may want to cancel a claim to prevent your premiums from rising, especially if the damages are low and you can cover them yourself.
If you’re unhappy with your current insurer’s claims process, it may be a good time to shop around and compare rates. A good place to start is reading our article on the best insurance providers and comparing insurance quotes using our free tool. For an easier experience, call (844) 246-8209 for free quotes.
Can You Cancel An Insurance Claim After Filing It?
Yes, auto insurance providers will allow you to cancel a claim once you filed it. But once you’ve started the claims process, even if you cancel your car insurance claim, there is no way to remove the claim from your driver record. However, your insurer is unlikely to increase your premiums for a claim with a $0 payout.
One type of claim you cannot cancel is a liability accident claim benefiting another driver. Liability claims are payouts to other drivers after a car accident where you are at fault. Imagine you accidentally hit your neighbor’s parked car. In that case, your liability auto insurance would pay out damages. You can’t cancel such a claim.
When Should You Not File An Insurance Claim?
Can you cancel an insurance claim? Yes. Why would you cancel an insurance claim? The main reason is to prevent your insurance premiums from going up.
Most auto insurance companies will increase your rates after any time you file a claim. If so and by how much depends on the specifics of your auto insurance policy. If you were at fault for an accident, your auto insurance rates will almost certainly rise. Even when you aren’t at fault, you can sometimes see a rate increase on your car insurance policy.
Your provider could have a claims-free discount. If that’s the case, you would lose the benefit of that discount after filing.
Most coverage has a car insurance deductible. Lower premiums usually mean a high deductible – and vice versa. Chances are, your auto insurance deductible is at least a few hundred dollars. It could be the case that, after paying your deductible, the cost to repair your vehicle is $100. You could have your insurance provider reimburse that amount, but this could increase your rates by more than $100 a year. If you are able, you’re better off paying the $100 yourself.
How Do You Cancel An Insurance Claim?
Most insurance providers make it easy to cancel an auto insurance claim. There is no cancellation fee for a canceled claim. The best way to cancel a claim is to contact your insurer’s claims department. Here are the claims services numbers for some of the nation’s top providers:
Most car insurance companies also allow online cancellations. Check your provider’s website for customer support options. We recommend talking to a claims representative or adjuster if possible, though. Some companies may still increase your premiums even for canceled claims. Always check with your provider.
It’s easier never to file a claim in the first place, but just because you’ve filed your claim doesn’t mean you can’t change your mind. If you’ve already cashed your insurer’s reimbursement check, it may be too late. In some cases, your carrier may let you cancel the claim if you return the money.
Our Recommendations For Car Insurance
Everyone should have a reliable insurance provider that is unlikely to increase rates after canceling a claim. There are a number of reputable options but no one best choice for everyone. The smartest thing to do when trying to find good car insurance is to shop around and compare coverage and car insurance rates. Our quote comparison tool can get you started on that. You can also call our team at (844) 246-8209 for personalized car insurance quotes.
#1 Progressive: Best For High-Risk Drivers
We rate Progressive car insurance at 4.6 stars because of its affordable coverage options, reliable reputation, and opportunities for discounts. We think Progressive is an especially good option for young drivers and those with poor driving records.
Progressive discount options include the SnapshotⓇ safe driving app, a deductible savings bank, and policy bundling. The company is not currently rated by the Better Business Bureau (BBB), but reliably pays out customer claims. If you take the time to explore policy options, you’ll likely find a Progressive rate that is both comprehensive and inexpensive.
Read our full Progressive auto insurance review to learn more.
#2 USAA: Best For Military
You can only sign up for USAA car insurance coverage if you or a family member serves or has served in the United States military. If that applies to you, USAA is a great choice for car insurance. USAA has some of the lowest prices and highest customer satisfaction ratings in the industry.
USAA is the only provider we rate at 4.8 stars out of 5.0, and we aren’t the only review service to do so. J.D. Power gives USAA top marks for claims servicing, and AM Best gives the company an A++ financial strength rating.
Find out more in our complete USAA auto insurance review.
FAQ: Cancelling Insurance Claims
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.