Help & Support
Should I make a claim?
This is a very personal decision, and you'll want to make this decision on a case-by-case basis.
Here are some factors you may want to consider before making a claim:
- If the cost of the repair or replacement is not much more than your deductible, it may not make sense to make a claim. (The deductible is the amount you must pay before a claim is paid.)
- Will making a claim affect your future premiums? Your driving record is one of the factors that helps determine your premium, so it’s best to factor in the cost or repair/replacement versus the cost of a higher premium.
For auto incidents, you are legally required to report any damage, accident or loss to your insurer.
If you’re unsure, you can always ask one of our friendly and professional Service Specialists.
Did that answer your question?
Related questions
- How do I know when to make a claim or what I am covered for?
- How do I make a claim?
- I’ve started my claim with Servus Insurance Services, Home and Auto. What’s next?
- Should I make a claim every time?
- What information should I gather in the event of a car accident / claim?
- Will my premiums increase if I make a claim?
More FAQs
By accessing and browsing this website visitors accept, without limitation or qualification, the terms and conditions (*Terms of use).
Servus Insurance Services | Home and Auto ("SISHA") is a tradename for belairdirect Agency Inc., used under license, and is not a subsidiary of Servus Credit Union. This is not a solicitation by Servus Credit Union. Home and auto insurance is underwritten by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.