{"id":165,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.steinerig.com\/blog\/?p=165"},"modified":"2026-07-22T20:19:43","modified_gmt":"2026-07-23T02:19:43","slug":"auto-insurance-coverage-in-a-fender-bender-should-you-file-a-claim","status":"publish","type":"post","link":"https:\/\/www.steinerig.com\/blog\/auto-insurance-coverage-in-a-fender-bender-should-you-file-a-claim\/","title":{"rendered":"Auto Insurance Coverage in a Fender Bender – Should You File a Claim?"},"content":{"rendered":"

When you are in a car accident, your insurance agent becomes your ally and advocate. We work to help you to move through this situation with the best possible outcome as the goal. No matter the type of accident you have, it may be worth contacting your agent to inform them about the incident. You may not always want to file a claim.<\/span><\/span><\/p>\n

At Steiner Insurance Group, we can review your existing auto insurance in Norman, OK to help you choose the proper type and level of coverage for your needs. We can also help you enhance your policy with additional protection if you need it.<\/span><\/span><\/p>\n

When Should You File a Claim?<\/span><\/span><\/h2>\n

You have the right to seek a claim for any losses you have when a covered event happens. For example, if you are in an accident and you have collision insurance, your policy can help. In a minor fender bender, you have to think about a bit more than that.<\/span><\/span><\/p>\n

For example, most auto insurance policies have a deductible. This is the amount of money you are responsible for first, and anything beyond that value, up to your coverage limit, is then covered by the insurer. If you have a $500 deductible, it means that if your fender bender does not have $500 in damage, you may not receive anything. In this situation, filing a claim may not be helpful. If you have $1000 worth of damage to your car, you’ll receive $500 in damages after the deductible is met. <\/span><\/span><\/p>\n

We Can Help You Customize Your Coverage<\/span><\/span><\/p>\n

At Steiner Insurance Group, we work with clients to get them into policies that fit their needs. Talk to us about your needs in auto insurance in Norman, OK and let us offer better protection. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

When you are in a car accident, your insurance agent becomes your ally and advocate. We work to help you to move through this situation with the best possible outcome as the goal. No matter the type of accident you have, it may be worth contacting your agent to inform them about the incident. You […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[37,24,31,32,11],"class_list":["post-165","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto","tag-insurance","tag-norman","tag-ok","tag-steiner-insurance-group"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t