Welcome to our video blog where we dissect the complexities of insurance claims. Today’s focus: the categorical breakdown of these claims. Whether you’ve experienced a minor scrape or a major collision, grasping these categories is vital for maneuvering through the intricacies of insurance expenses.

Let’s begin by outlining the two primary categories: not-at-fault and at-fault claims. In the former scenario, you’re the unfortunate recipient of another driver’s error. Even if you’ve impeccably followed all traffic regulations, if someone else runs a red light and hits your vehicle, your insurer foots the bill for repairs. However, accepting this compensation might still hike up your insurance premiums, despite your innocence.

Conversely, at-fault claims wield greater consequences in insurers’ eyes. If you’re deemed responsible for an accident—be it for running a red light, speeding, or other negligent actions—expect a more substantial impact on your insurance expenses. Even if circumstances beyond your control contributed to the accident, being tagged as at-fault can lead to heightened premiums. Recognizing these distinctions is imperative for anticipating the financial ramifications of insurance claims.

Our owner and founder, Pat Brennan, explains more. Check out the video below!

How Have Some Insurance Installments Changed? – Entrust Insurance, St. Clair Shores

Video Transcription

“In terms of claims, they’re broken down into two categories generally, which is not at-fault and then at-fault. So an “at-fault” is going to have more impact on your cost increasing than a not at-fault. But the important thing to understand, even though you didn’t cause the accident, You might have been obeying every single law on the road, and somebody maybe blew a red light and hit you. The insurance company had to pay out money on your behalf to honor the claim. So, if there is any claim filed and you accept money and, you know, it’s checked by the, you know, deposited by the collision department and they fix your vehicle, do expect to see your costs increase. Now, if you cause the accident. That is seen as more reckless, I guess, through the insurance company because you’re at-fault. You might have ran a red light or were speeding or something to that effect or not paying attention. Could have been completely innocent, but if you’re at-fault then do expect to see those rates increased more so than if you were not at-fault.””

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