Mutual Funds






America's Fastest Growing Independent Financial Advisory Network
A Nationwide Network of 100% Independent & 100% Objective Fee-Only Financial Advisers

Picture of The-Adviser The-Adviser.com The place to come for answers™
When should I file an insurance claim?
By The-Adviser.com -   

Money Management
Portfolio Reviews
401(k) Rollovers

Financial Plans
Estate Plans
College Savings
Clients Only

Available Services
"Interview Us"
Fee Information

Clients Only

The Press


Home Page

Related Links

Stock Quotes

New York - Regardless of what insurance companies tell you, we understand why everyone fears reporting a minor accident. This is especially true when it is not your fault.

General wisdom has it that minor claims will cause your insurance company to increase your premiums or worse, they may not renew you. We agree. Insurance companies generally have standard practice as follows:

  • Once an accident (or damage) occurs - there is a greater chance another will occur will be forthcoming

  • Past history of claims will be an indicative of future claims

Nevertheless, we believe that you should report all accidents that affect other people or other people's. Why? No matter how small an accident may seem at the time - facts can change, people forget their memories and people call their attorneys.

Although you should check specific legal requirements of your state, generally, if you do not have to report a minor accident in which only your car or property was damaged (i.e, car swerved and hit a curb), we believe that you should consider absorbing the loss of repairs yourself. The same goes for any damage below the amount of your deductible.

The Independent Adviser Corporation is a 100% Independent and 100% Objective Financial Advisory Firm that writes buy-side investment research. Our network of independent Fee-Only Financial Advisers serves individuals, families and businesses. They provide financial planning services, tax advice and offer professionally managed asset accounts. They do not underwrite corporate securities nor do they sell any proprietary products. To find out more or get a FREE consultation Ask The-Adviser.com.

Do you want to receive the fastest growing independent buy-side research newsletter in America for FREE? 

Subscribe to The-Adviser.com Alert™ by entering your e-mail address  and clicking the button:


In Association with Amazon.com

Your Financial Adviser can help you determine an appropriate insurance claim.

Got an investment question?
Ask The-Adviser.com

Open a professionally managed account:

  • Brokerage Accounts
  • Traditional IRAs
  • Roth IRAs
  • 401(k) IRA Rollovers
  • 403(b) IRA Rollovers
  • College Savings
  • Retirement Savings

Click here for our Top Ten Investment Picks

Financial Advisory Services
Money Management
Retirement Planning
Portfolio Reviews
401(k) Rollover Assistance
College Savings
Financial Plans

In Association with Amazon.com

You don't need to be rich to hire a Financial Adviser. Just Smart

The Independent Adviser Corporation is a Registered Investment Adviser that helps individuals, families and businesses develop investment and financial planning strategies.
Click here to learn more about our Fee-Only services

Do you have a question about your investments?
Ask The-Adviser.com

America's Independent-Adviser.

© Copyright. The Independent Adviser Corporation.  All rights reserved. Important Legal Information