Can I cancel an auto insurance claim after filing it? (2024)
When can you cancel an insurance claim? You can cancel an auto insurance claim after filing it and even after you receive the check. We'll explain more about when and how to get a claim removed from insurance below.
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Tim Bain
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Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Sep 4, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Can you cancel a car insurance claim after it has been filed? If you’ve recently been in an accident but then decided to cover the damage from your own pocket instead, you might be unsure if you can now cancel the auto insurance claim. You’re probably wondering what would happen to your insurance rates if you cancel the claim and whether it will still show on your record.
In this article, we will explain how to cancel a claim after you have previously filed it and how this will affect your insurance premium.
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- You can cancel an auto insurance claim after filing it
- If you cancel a car insurance claim it will not affect your rates, although it will still show on your records
- You can’t cancel a claim if you were the driver-at-fault in the accident
You Can Usually Cancel an Insurance Claim After Filing One
A top question readers ask is, “Can you cancel a car insurance claim?” Most car insurance companies will allow you to cancel an insurance claim you previously filed. Canceling your claim is in your insurance company’s favor as well since it no longer has to cover the cost of your damages. So your insurer should be happy to accommodate you.
So, can you cancel a claim with Geico? Like most other insurers, Geico allows you to cancel a claim after filing one.
Can you cancel a claim with Progressive? Yes, Geico, Progressive, and various top providers allow you to cancel your claim after you file it.
Your insurance company does require you to report any accident, whether you’re at fault or not. However, once you’ve filed a claim you can cancel it at any time, regardless of your reasons. You can even cancel the claim after having received the check — that is, as long as you haven’t cashed it.
However, if the accident was your fault and someone has filed a claim against you, you won’t be able to cancel such a claim. You will have to go through the entire investigation to determine fault.
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How to Cancel Car Insurance Claim After Filing it
Now that you know the answer to, “Can I cancel a car insurance claim?” we’ll help you figure out how to cancel your claim. The first thing you should do is give your insurance agent a call. If you filed the claim yourself and the incident is still under investigation, you should be able to cancel the claim immediately.
If you have already received the insurance check, it will take a few days for the company to receive the check after you mail it back, but once the check is received your claim should be canceled promptly.
The canceled claim will still show on your insurance file, but it will be registered as a withdrawn or a zero-dollar claim. Usually, there is no cancellation fee and some companies will offer to cancel your claim online.
Now that you know how to remove a claim from car insurance, we’ll talk about how it affects rates.
How Canceling a Claim Impacts Car Insurance Rates
If you’ve been wondering, “Can you cancel a claim with insurance after it’s filed?” you might also be curious how canceling a claim affects your rates.
Filing an insurance claim will increase your risk profile and insurance rates. You will also probably lose your safe driver cashback or no claims bonus if you previously had them. This is the most common reason for canceling auto insurance claims.
Good Driver and Claims Free Auto Insurance Discounts by Provider & Savings Potential
| Insurance Company | Claims Free | Safe Driver |
|---|---|---|
| 21st Century | 25% | 25% |
| AAA | 20% | 20% |
| Allstate | 20% | 30% |
| American Family | 15% | 20% |
| Ameriprise | 15% | 20% |
| Amica | 25% | 30% |
| Country Financial | 25% | 25% |
| Esurance | 25% | 25% |
| Farmers | 15% | 15% |
| Geico | 26% | 26% |
| Liberty Mutual | 30% | 30% |
| MetLife | 20% | 20% |
| Nationwide | 10% | 10% |
| Progressive | 30% | 30% |
| Safe Auto | 20% | 20% |
| Safeco | 20% | 20% |
| State Farm | 25% | 30% |
| The General | 25% | 25% |
| The Hanover | 25% | 25% |
| The Hartford | 30% | 30% |
| Travelers | 30% | 30% |
| USAA | 10% | 10% |
So, will my insurance go up if I cancel a claim? Canceling your claim means that the insurance company has no reason to increase your risk profile since there were no funds spent on your payout. Therefore, even though the claim will still show on record, your rates will stay the same.
Also, if you decide to switch insurance companies, your new provider will see the canceled claim on file and will be able to give you a better rate intended for low-risk drivers.
Situations Where You Can’t Withdraw an Auto Insurance Claim
There are two situations when you won’t be allowed to cancel a claim.
Firstly, if you were the person who caused the accident and the claim has been filed against you, you have no power over canceling such a claim. You can cancel the claim for your own damages, but you will remain liable for the other vehicle’s damage and potential medical bills if the other person sustained an injury.
The second situation is if you’ve already cashed in the reimbursement check you’ve received from your insurance company. In this case, give your insurance agent a call and ask if the company would be willing to cancel the claim if you return the received funds.
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More About How to Cancel an Insurance Claim
Can you cancel an auto claim? Filing an insurance claim is not an easy process, but if you change your mind about claiming your expenses you can cancel it at almost any time.
The sooner you let your insurance company know that you wish to cancel your claim, the quicker the process will be. Speaking directly to your insurance agent is the best course of action so that you can be familiar with the specific terms of your policy.
And if you are not happy with the provided terms, don’t be hesitant to shop around for car insurance and find a better offer for your needs.
Always think twice before canceling an insurance claim! Before you go, take a moment to search for the best auto insurance quotes now by entering your ZIP code below.
Frequently Asked Questions
Can I cancel an insurance claim under investigation?
You may be asking, “Can I cancel a car insurance claim under investigation?” Yes, you can generally cancel a claim during the investigation.
Can I cancel my car insurance with an open claim?
A top question readers ask is, “Can I cancel car insurance after a claim?” Yes, you can generally cancel your auto insurance coverage at any time, even after you’ve filed a claim.
Can I ask an insurance company to total my car?
Yes, you can request your insurance company to total your car if the cost of repairs exceeds a certain threshold determined by your policy. However, the decision ultimately depends on your insurance company’s assessment and evaluation of the damages.
Can you cancel a total loss claim?
Can you cancel an insurance claim for total loss after filing it? Yes, you can a total loss claim, but the process of doing so depends on the provider and nature of the claim.
Is it worth claiming a scratch on my auto insurance?
It depends on the severity of the scratch and your deductible. If the cost of repairs is lower than your deductible, it may not be worth filing a claim as you would have to cover the expenses out of pocket. Additionally, multiple small claims could lead to increased premiums in the future.
Will canceling an auto insurance claim affect my future claims?
Canceling an auto insurance claim generally does not directly impact your ability to file future claims. Each claim is assessed independently, and canceling a claim should not prevent you from filing new claims if needed.
Can you cancel an auto insurance claim if you change your mind about repairing a vehicle?
If you file an insurance claim, can you cancel it if you change your mind about repairing it? Yes, you can cancel an auto insurance claim if you decide not to repair your vehicle. However, keep in mind that if you choose not to repair the damage, it may affect the value of your vehicle in the future.
Can you withdraw a car insurance claim if the other party involved withdraws their claim?
You may wonder, “If you file a claim, can you cancel it if the other party cancels their claim?” If the other party involved in the accident withdraws their claim, you may still be able to cancel your own claim. However, it’s important to consult with your insurance company to understand the specific circumstances and requirements.
Can you cancel a claim on car insurance if the damages were caused by vandalism?
You might be wondering, “Can I cancel a claim on car insurance if the damages were caused by vandalism?” In cases of vandalism, you can typically cancel your auto insurance claim if you choose not to pursue the repairs. However, it’s important to report the incident to the authorities and inform your insurance company.
Can you cancel an insurance claim with Progressive?
Progressive policyholders may be wondering, “Can I cancel a claim with Progressive?” Yes, you can usually have Progressive cancel a claim after filing it.
Can I cancel a claim with Geico?
If you have Geico, it’s important to know the answer to, “Can you cancel a Geico claim after it’s been filed?” Yes, policyholders can request Geico cancel a claim if they change their mind.
Wondering how to cancel claim on the Geico app? If you’re curious how to cancel a claim on Geico’s app, simply visit the claims section on your app to begin cancellation.
Can I cancel a claim with State Farm?
Can you cancel a claim with State Farm? Yes, with State Farm, cancel your claim by contacting a customer service representative.
Wondering how to cancel a State Farm claim on the app? To cancel a claim with State Farm on the app, visit the app and go to the “Claims” section to intiate cancellation.
Can you cancel an insurance claim under investigation?
Can you withdraw an insurance claim under investigation? Yes, you can typically cancel a car insurance claim even while it’s being investigated.
Can you cancel a claim with USAA?
Can I cancel a claim after filing one with USAA? Yes, with USAA, cancel a claim by calling an agent to make the request.
Can I cancel a home insurance claim?
Need to remove claim from home insurance? Home insurance providers will usually allow you to cancel a claim.
What happens when you withdraw an insurance claim?
Usually, cancelling a claim won’t affect your rates, since the claim gets canceled and no payment is made. However, it could still show on your claims history.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.