Is it ok to lower my deductible before i file the claim for pymt?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 4, 2012

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Insurance Question from Bermuda Dunes, CA

Asked on 01/04/2012

Is it ok to lower my deductible before i file the claim for pymt? I hit a gate and have a huge dent that i need fixed. Is it ok to lower my deductible before i file the claim for pymt? I have a perfect record with NO previous claims and have been w this company many years.

Answer given on January 04, 2012

If you have already had an accident in your car, you cannot legally reduce the deductible before filing the claim. If you do so you are committing fraud and could jeopardize your insurance, and could be held legally liable for your actions.When you file the claim you will be asked the date of the loss. If you are honest and give the correct date, then any request you made after the fact to reduce the deductible will not apply to the loss. Again, if you do not give accurate information to the adjuster and they determine that the damage occurred on a different date, and that your intentionally tried to cover it up so you would have a lower deductible, your claim can be denied, your insurance cancelled and legal action could be taken against you.You may be able to get a settlement from the adjuster, less your deductible and find a way to repair the vehicle for a lesser amount. This would be a better way to handle the situation.


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