Can you withdraw an auto insurance claim?

May 15th, 2011
by admin.

My car was broken into and the passenger side window was completely busted out. Nothing was stolen, and there was really no further damage except a small tear in the interior from the large rock that was thrown through the window. I filed a police report, and then I called my insurance company to file a claim. My deductible is $500. I think it is cheaper than that to replace a car window. If the repair is cheaper than my deductible, is my insurance company still expecting me to pay the full $500? Can I withdraw the claim and get it repaired myself? This has never happened to me before. I had no idea what to do. Thanks!

Posted in: Auto Insurance.
Tagged: · · ·

←
→

4 Comments

  1. jlf says:
    May 17, 2010 at 8:48 pm

    Yes, you can withdraw the claim. If the repairs cost $400 (less than your deductible), you pay it all. If they cost $600, you pay the first $500 and the insurance pays the other $100. That’s how deductibles work.

  2. mbrcatz says:
    May 17, 2010 at 9:44 pm

    yes, you can withdraw the claim, as long as they haven’t paid out, HOWEVER, that claim will still show up on your record.

    If the cost of repair is $300, that’s all you have to pay.

  3. HGCity says:
    May 17, 2010 at 10:27 pm

    Yes, you have the option of withdrawing your claim. On a claim such as this an insurance company will not force you to use them. It will show up on your claims record as a $0 paid Comprehensive claim. However most insurance companies are not worried about $0 paid claims.

  4. living eyes says:
    May 17, 2010 at 11:05 pm

    No, you cannot withdraw a claim. Once a claim has been filed, it will always be on record, whether the insurance company paid for the claim or not. However, when the claims adjuster calls you, you can tell them that you’ve decided not to pursue the claim since the repairs are less than your deductible. This will stop the claims process.

    So in your case, you will have a record of having filed a claim, but it will show that the insurance company did not pay, since the repairs were less than the deductible. The insurance company will not expect you to pay $500 to get your car repaired. In fact, they won’t even know what you do end up paying, since you will be paying for it yourself.

    Also, since it was vandalism, it should not be held against your driving record and you should not be subject to any claims surcharges on your premium.

Leave a Reply