Making a Claim for Collision Coverage Under Yukon Car Insurance

If your car has been damaged in an accident and you were at fault, you would make a claim for the repair costs from your Yukon car insurance company. You would be responsible for paying the deductible before the insurer will pay out anything on your claim.

In a case where the damage is relatively minor and is less than the amount of your deductible, you may want to pay for the repairs yourself. Your rates can increase after you make a claim on your policy, and you will need to consider that fact as well.

When the other driver is responsible for the collision, your insurance company may attempt to recover the amount it has paid out for your repairs. (The deductible you have paid would be refunded to you in that case.)

Keep in mind that your collision coverage will only cover repairs that are going to bring your car back to the way it was before the collision took place.  Any extras in the work order must be paid for by you. If the repairs that are performed improve the state of your car, you may be asked to pay something to the insurance company for the betterment of your car.

If you are driving an older vehicle that does not have a lot of cash value left, you may wish to consider dropping your collision coverage entirely and pay for repairs yourself.