{"id":7307,"date":"2024-11-07T05:01:06","date_gmt":"2024-11-07T05:01:06","guid":{"rendered":"https:\/\/youset.ca\/?p=7307"},"modified":"2026-03-16T12:11:18","modified_gmt":"2026-03-16T12:11:18","slug":"car-insurance-claims-dos-and-donts","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/","title":{"rendered":"The Do\u2019s and Don\u2019ts of Car Insurance Claims"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Navigating the car insurance claims process can be challenging, whether you&#8217;re a seasoned driver or a <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/first-time-car-insurance\/\"><span style=\"font-weight: 400;\">first-time one<\/span><\/a><span style=\"font-weight: 400;\">. What steps should you follow? What mistakes should you avoid?<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Although every company will have a slightly different way of doing things, there are fundamental similarities across the board. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll outline the do\u2019s and don\u2019ts when it comes to handling a car insurance claim, in hopes of making it easier for you to navigate the process and steer clear of the common pitfalls.\u00a0<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_6fa721b9c4e070d1583e24407e1defca\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Key takeaways<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400;\">When you make a car insurance claim, you should:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expect to pay your deductible<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep records and photos\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Follow up with your insurer\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Be prepared for your premium to likely increase<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You should not:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Delay calling your insurance company<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Omit or twist information\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Begin repairs without your insurer\u2019s approval\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Forget to review your policy after your claim is processed <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-car-insurance-claim\">What is a car insurance claim?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A car insurance claim is an official request you submit to your insurance company when a covered peril occurs for which you want to be compensated. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If approved, car insurance claims are covered by everyone\u2019s monthly premiums, which your insurance company pools together. This pooled fund is then used to cover damages and other costs associated with claims, ensuring that support is available to all insured individuals when needed.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Remember, you can only make a claim for incidents specifically covered under your policy&#8217;s terms, such as if you <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-to-do-after-a-minor-car-accident-ontario\/\"><span style=\"font-weight: 400;\">get in a car accident<\/span><\/a> <span style=\"font-weight: 400;\"> that&#8217;s your fault and you have the appropriate coverage, like <a href=\"https:\/\/youset.ca\/en\/blog\/what-is-collision-coverage\/\">collision coverage<\/a>.<\/span> <span style=\"font-weight: 400;\">On the other hand, regular wear and tear, such as a fading paint job or worn-out tires, is considered maintenance and isn&#8217;t covered by <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance in Canada<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">While insurance can provide much-needed relief in unexpected events like collisions or theft, routine upkeep, and gradual deterioration have always been, and always will be, your responsibility as the owner of the vehicle. <\/span> \u00a0<\/p>\n\n\n\n\t<section id=\"post-cta-block_0f1828c70356e3fa3bc9120a848b1164\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Get the best price on car insurance year-after-year<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=en&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Get a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-car-insurance-claims-do-s-and-don-ts\">Car insurance claims do&#8217;s and don&#8217;ts<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Whether you\u2019re preparing to file a claim or are already in the process, understanding the right steps to take and the common mistakes to avoid can make all the difference. As such, below is a list of <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance-guide\/\"><span style=\"font-weight: 400;\">car insurance claims dos and don\u2019ts<\/span><\/a> <span style=\"font-weight: 400;\"> that, if followed, can help you manage your claim with greater confidence and success.\u00a0<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-expect-to-pay-your-deductible\">Do expect to pay your deductible<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">To receive compensation for a car insurance claim, you\u2019ll need to pay your deductible first. This is the amount you agreed to cover out-of-pocket when you purchased your policy (it can be found in your policy documents). Your deductible is then subtracted from your total claim payout, so you will receive compensation for the remaining amount, up to the coverage limits of your policy.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-delay-calling-your-insurer\">Don\u2019t delay calling your insurer<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">After you call emergency services, a tow truck, and\/or your loved ones, the next call you need to make is to your insurer. Even if you\u2019re anxious or uncertain about the process, resist the urge to put this off. It can unnecessarily complicate the claims process and potentially delay your compensation. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">By contacting your insurer as soon as safely possible, you\u2019ll get essential information more quickly, understand the next steps, and ensure that your claim is set in motion without unnecessary delays.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-keep-records-and-take-photos\">Do keep records and take photos<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">From the moment an incident occurs, take photos of any damage to your vehicle and keep all receipts and records related to repairs. This is the best possible thing you can do to support your claim, as it provides a clear account of the damages, making it easier for your insurance company to process your claim and for you to handle any potential disputes. It can also help to have pictures of your vehicle from when you first got it to prove its pre-incident condition.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-omit-or-distort-information\">Don\u2019t omit or distort information<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Accuracy is crucial when filing a claim. Don\u2019t try to strategically omit information, distort the facts in your favor, or <\/span><a href=\"https:\/\/www.thezebra.com\/resources\/car-insurance\/legitimate-auto-insurance-hacks-vs-fraudulent-tactics\/\"><span style=\"font-weight: 400;\">take any supposed &#8220;hacks<\/span><\/a><span style=\"font-weight: 400;\">.&#8221; This can lead to delays, complications, or claim denials. Beyond that, a dishonest claim can tarnish your insurance record, which future insurers may view as a red flag, making it harder and more expensive for you to obtain the insurance you need. It\u2019s not worth the risk. So instead, be thorough, honest, and factual, and you\u2019ll have done what you can to ensure a smoother claims process.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-follow-up-regularly\">Do follow up regularly<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Your insurer handles numerous claims at once, so their timeline may not always align with yours. To keep your claim on track, it&#8217;s essential to maintain proactive communication throughout the process. From the moment you submit your claim until its resolution, regularly follow up with your insurer and keep records of all your interactions. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">This will help ensure any issues are promptly resolved and that you remain well-informed about the status of your claim.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-go-ahead-with-repairs-before-getting-approval\">Don\u2019t go ahead with repairs before getting approval<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Avoid starting any repairs on your vehicle until your insurer has given you explicit approval to do so. While it\u2019s understandable that you might want to address the damage quickly, your insurer may have specific requirements or procedures you need to follow to ensure that your repairs are covered and that you receive the compensation you&#8217;re entitled to.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-be-prepared-for-potential-premium-increases\">Do be prepared for potential premium increases<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">In <\/span><a href=\"https:\/\/driving.ca\/features\/insurance\/how-long-does-it-take-until-your-rate-comes-back-down-after-an-at-fault-collision\"><span style=\"font-weight: 400;\">Ontario<\/span><\/a> <span style=\"font-weight: 400;\">and <\/span><a href=\"https:\/\/www.caaquebec.com\/en\/advices\/insuring-a-vehicle\/should-you-file-an-insurance-claim-for-minor-damage#:~:text=Everyone%20with%20insurance%20has%20a,squeaky%20clean%2C%20you%20pay%20less.\"><span style=\"font-weight: 400;\">Quebec<\/span><\/a><span style=\"font-weight: 400;\">, car insurance claims can remain on your record for up to six years. Since insurers view claims as indicators of higher risk, your premiums might increase as a result. For instance, a <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/location\/car-insurance-quebec\/\"><span style=\"font-weight: 400;\">car insurance policy from Economical costs $991 on average<\/span><\/a> <span style=\"font-weight: 400;\"> for Quebec drivers using YouSet. However, drivers with a claim on their record pay an average of $1,143 annually. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Keep in mind that these are average figures, and the actual impact on your premium will largely depend on your claims history and the specifics of each claim.<\/span> \u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-don-t-forget-to-review-your-policy-after-a-claim\">Don\u2019t forget to review your policy after a claim<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Having gone through the car insurance claims process, you might have identified areas where your coverage fell short or where you would have liked to have higher limits. While you can\u2019t change the past, now is your chance to make adjustments to your policy and ensure you\u2019re better prepared in case of any future incidents.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Navigating the car insurance claims process can be challenging, whether you&#8217;re a seasoned driver or a first-time one. What steps should you follow? What mistakes should you avoid? Although every company will have a slightly different way of doing things, there are fundamental similarities across the board. In this article, [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7308,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[459],"tags":[],"class_list":["post-7307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Do\u2019s and Don\u2019ts of Car Insurance Claims - YouSet<\/title>\n<meta name=\"description\" content=\"A car insurance claim is an official request you submit to your insurer when an incident occurs for which you want to be compensated.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Do\u2019s and Don\u2019ts of Car Insurance Claims\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/en\/blog\/car-insurance-claims-dos-and-donts\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-07T05:01:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/10\/The-Dos-and-Donts-of-Car-Insurance-Claims-YouSet.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"The Do\u2019s and Don\u2019ts of Car Insurance Claims\",\"datePublished\":\"2024-11-07T05:01:06+00:00\",\"dateModified\":\"2026-03-16T12:11:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/\"},\"wordCount\":1002,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/The-Dos-and-Donts-of-Car-Insurance-Claims-YouSet.webp\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/en\\\/blog\\\/car-insurance-claims-dos-and-donts\\\/\",\"name\":\"The Do\u2019s and Don\u2019ts of Car Insurance Claims - 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