Know when not to file a claim- Understanding the proper procedure and evidence required to file a claim are important
. So is knowing when an insurance claim is not necessary. Each day thousands of minor accidents occur which result in very minor damage and no physical injury. If repairs are less than your deductible and both parties are agreeable, you may be able to avoid an insurance claim which may result in increased insurance rates. Pennsylvania Kia dealers encourage drivers to exchange insurance information regardless of whether or not you intend to file a claim. You may need this information later if you change your mind.