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I just filed a claim with my insurance company two weeks ago for vandalism and I was in a fender-bender today. I’ve only been with this company since Feb. 2013. Should I file another claim?

If it were me, I probably would not file a small claim.

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You don’t say what your deductible is or your damage estimate, but if you’d net only a small amount after your deductible, it’s probably better to avoid another claim. However, if you caused this accident and the other driver files a claim against your policy, you’re up a creek anyway and should brace for a rate increase at your next renewal.

Last updated: Jun. 21, 2013
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