Talk to an agent: (713) 489-8248
Press play below to listen to our audio commercial:

How to Determine the Amount of Insurance Claim from Your Car Insurance Company in Houston

There are many times when a person is not involved in an accident but their car was damaged by other means or happenings. There is also a speculation that they are not directly involved in an accident but their car gets damaged in the accident that occurred. In all these cases, the damage that is inflicted on the car is not too much and the car is not wrecked. When this happens, many people wonder whether they can file a claim based on that damage or they are prohibited from doing that or their company does not accept claims that are based on damage done to a car that is less than a certain limit. The answer to their confusion is pretty simple. They can file a claim on the slightest bit of damage and their insurance company can do nothing but oblige to their claim and act on it.

Filing claims on the slightest bit of damage is pretty annoying because your car inflicts small damages every now and then and filing a claim on every single one of them is no more than pointless. That is because a person would have to go through the whole process of filing an insurance claim, waiting for the results and then getting the car fixed. In a general opinion, it is better that a person does not file for car insurance in Houston until or unless a damage is inflicted on the car that leaves the car unable to start and you cannot drive it anymore. Filing insurance claims every now and then also have consequences of their own and these consequences come in the form of depreciation.

Depreciation are the amounts of cash that a person has to pay on parts for their car in the case that it is damaged and needs to be fixed. Depreciation are applicable on only the technical or mechanical parts that are needed when a car is damaged and is being fixed. The charges that are to be given to the labor and the people working on the car or not subject to depreciation and are paid by the insurance company in the event that an insurance claim is filed.

A person can enjoy filing insurance claims every now and then for small damages that the car inflicts for the first year because the very next year, they will have to pay depreciation on the car parts that are needed to be fixed. Depreciation keep increasing as the car keeps getting older and starts to develop more problems. Depreciation vary from one company that offers car insurance in Houston to the other and is an average 10% for the second and third years of insurance.

So you see, car insurance isn’t all that beneficial and isn’t just free trips to the mechanic and free car fixes. You have to pay for the services the insurance company provides you and what services you use. You should always remember that in every business and in every purchase, the most benefits go to the company providing the product or service and that you never get a product or service for free.

If you want to compare insurance quotes in your area, simply enter your ZIP code in the box at the top!