When you are looking to file insurance claims, you want to keep in mind that some times it is best to not file a claim than it is to file one. In most cases, when you file a insurance claims against the insurance policy that could have been easily repaired, you run the risk of increasing your insurance rates. Claims that are filled out against your insurance policy should be claims that are costly and require a insurance claim to be brought forth against your insurance policy. There is a time to file a claim and a time not to file a claim. Use your own discretion when it comes to filing a claim but know that you can expect a process instead of a easy solution. 

When you are thinking of filling out a claims form with your insurance company you will want to make sure that the claim is going to be worth the increase in your monthly payment. Most individuals will not file a claim unless it is well past the amount of the deductible. If you have damage done to your car and your deductible is going to be well under what the cost of the deductible and repairs is then you will want to file a claim against your insurance for repairs to be made to your vehicle. The insurance claims adjuster will review your case and see if your claim is something that they will cover under the insurance policy that you took out on your vehicle. Depending on the level of the insurance that you took will depend on who will be paying for the expense of your repairs on your vehicle. 

The insurance claims will process your paperwork and then submit payment to the company that is responsible for the repairs made to your car. Once the payment has been received your vehicle will be released to you. Typically this can be a process that takes several days and in most cases the insurance company gives you a rental care for use during the time that your vehicle is in the repair shop.