A AG捕鱼王新版app下载 AG捕鱼王在线app下载 Claim: To File Or Not To File
AG捕鱼王在线app下载 is meant to protect you against financial loss. But is it really meant to protect you from any and all financial loss? When it comes to filing a loss claim on your home insurance, there may be times when not filing may be the wisest course of action.1
根据一项研究, the national average premium increase after filing a homeowners insurance claim is 9%, although this number varies depending on your specific location.2
我的保费怎么办??
Some insurance companies may protect you against premium increases. 然而, if filing a claim means your premium will rise, you may need to decide whether it makes sense to do it.
It may not pay to file a claim if:
- 索赔金额很小. Your policy will have a deductible, 所以即使索赔是1美元,000 to $2,000 may not have a favorable long-term cost benefit.
- 你的损失不在保内. Read your policy first to determine coverage. The simple act of filing a claim (even for a claim that won't be paid) may result in higher premiums.
- You have filed a claim within the last seven years. Since previous claims are tracked by an industry database for seven years, 这可能会导致更高的保费.
Another factor to consider: you may want to file a claim regardless of dollar amount if someone is injured on your property, in order to protect yourself in the event that you are sued by the injured party.
1. Several factors will affect the cost of homeowners insurance, 包括地点, 大小, 以及家里的东西. You should consider the amount of your deductible and level of coverage before purchasing a policy. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
2. insurancequote.com, 2022
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