Accidents happen, no matter how careful you are. It takes one misstep to send you reeling in your vehicle, literally. When you’re in an accident, the last thing you want to worry about is your car insurance company, but you may not be so lucky.

Oftentimes, if you make a claim for an accident on your insurance, the company sees that as a justified reason for raising your rates. As a result, many people don’t make claims to their insurance for small fender benders or cosmetic damages—if the car is still functional, they’d rather live with the broken pieces than pay a higher premium for the next 3-5 years. Continue reading →