When To File A Claim For Auto Insurance? 
If someone is injured report the claim immediately ! You are obliged to file a claim as soon as possible . Your policy limits the period of time in which you can file a claim . That period of time usually starts from the time you are aware of the damage . Your trusted insurance agent can guide you through this process . If your loss is near or below the deductible for the coverage -LRB- collision or comprehensive -RRB- you might want to have the damage repaired without reporting the loss . Reported losses can impact future premiums . 