Don’t Let Small Mistakes Cost You Big On Your Car Insurance Claim

Filing a car insurance claim may seem simple, but even small errors can lead to delays, denials, or reduced payouts. Whether you're dealing with a minor fender bender or a serious accident, knowing how to properly navigate the claims process is essential.
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In this blog, we’ll explore common mistakes drivers make during insurance claims and how to avoid them—so you don’t lose out on money or coverage when you need it most.

Why Accuracy Matters in a Claim
Your insurance policy is a contract—and like any legal agreement, accuracy and transparency are key. Even unintentional errors can lead to:

• Slower claims processing
• Lower settlement amounts
• Denied coverage
• Flagged policy for fraud or cancellation

Insurance companies investigate claims thoroughly. Mistakes, even small ones, can raise red flags.


Top Mistakes to Avoid When Filing a Car Insurance Claim
1. Failing to Report the Accident Promptly
Delaying the report can raise suspicion or cause you to miss important deadlines.

What to do:

• Notify your insurer within 24–48 hours
• Report to the police if required (especially in cases of injury, hit-and-run, or significant damage)

2. Leaving Out Details or Giving Incomplete Information
Omitting facts—accident location, involved parties, time of day—can impact claim accuracy.

What to do:

• Be honest and thorough
• Include photos, diagrams, and witness details
• Don’t guess—say “I’m not sure” if you don’t know

3. Admitting Fault at the Scene
Even if you think you were at fault, never say so to the other driver or witnesses.

What to do:

• Stick to the facts: “Are you okay?” or “Let’s exchange info”
• Let the insurance adjusters determine fault

4. Not Documenting the Damage
Without clear evidence, it’s your word against theirs.

What to do:

• Take photos of all vehicles, license plates, and the scene
• Get a written police report if applicable
• Record contact info of other parties and witnesses

5. Ignoring Your Policy’s Limits and Coverages
Assuming something is covered doesn’t make it true.

What to do:

• Review your policy to understand deductibles, exclusions, and limits
• Ask your agent if you’re unclear about what’s included

6. Repairing the Vehicle Without Approval
Starting repairs before the insurer inspects the damage could jeopardize reimbursement.

What to do:

• Wait for claim approval or adjuster inspection
• Use insurer-recommended repair shops if available (often faster claims)

7. Exaggerating Damage or Injuries
This is considered insurance fraud and can void your claim—and your policy.

What to do:

• Report damage and injuries accurately
• If you’re injured, seek medical attention and keep records

8. Not Following Up
Don’t assume your claim is being processed on time.

What to do:

• Stay in touch with your claims adjuster
• Keep a paper trail of all communications
• Ask for updates and timelines

Pro Tips for a Smoother Claims Process

• Know your policy before an accident happens
• Keep your insurance info and emergency contact list in your car
• Download your insurer’s mobile app for fast claims filing
• Consider adding rental reimbursement coverage in case your vehicle is out of commission
• Always keep a dashcam—it can provide irrefutable evidence in unclear situations

The Role of Good Auto Insurance
Having a strong auto insurance policy in place gives you peace of mind. But even the best policy won’t help much if you mishandle your claim. That’s why knowing the do’s and don’ts can make all the difference in receiving a full, fair payout.

Bonus Tip: Consider working with an independent insurance agent—they can help you understand your coverage, guide you during a claim, and advocate on your behalf.


Final Thoughts
A car accident is stressful enough—don’t make it worse by losing money over small, avoidable mistakes. By being informed, prepared, and proactive, you can ensure your auto insurance works for you, not against you.

At Harvest Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. Get in touch with our company at (940) 441-7157 to learn more about our offerings. Today, by CLICKING HERE, you may get a free estimate.

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​