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Sometimes you save more by not collecting on your insurance
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The upside of filing an insurance claim is obvious, though keep in mind any deductible on your policy which will limit the payout. The downside is that certain claims, or a certain number of claims, will cause your premium to rise and potentially stay higher for years. This higher premium might wipe out any immediate payout you stand to gain. Weigh the options and ask your insurance agent to help figure out any impact before filing.