Arizona SR22 insurance

Reader question:

If I have Arizona SR22 insurance, and get into just a tiny little bump, do I still need to file a claim with my car insurance company?

Joseph

Hm, good question, Joseph.

You should really be cautious about whatever you do concerning claims with your Arizona SR22 insurance company. I mean, think about this: whichever way you go, it might end up on your insurance record for several years, and follow you around from state to state and company to company. So here are some cautions on both ends.

First of all, your Arizona SR22 insurance company has told you that you have to report everything to them. Thing is, there’s no law saying that you have to. If you do end up reporting, that will go into your file, and that information can be viewed by other companies for several years. Granted, it’s not possible for your car insurance rates to rise simply because of a tiny little bump, but it’s not unheard of that this can compund the problem started by a bunch of other little bumps and other things–i.e., the straw that broke the camel’s back, as they say.

Still, I’m a bit too paranoid to suggest that you avoid filing a claim with your Arizona SR22 insurance. If you had your bump with another person, then it might be that they will file a claim with your company before you do, even if it seemed to you that nothing happened to the car–some injuries don’t show up until later.

Cheers,

Fashun Guadarrama.