Car insurance is there for if you have an accident or something happens to you or your vehicle. It’s not always the right decision to use it though, and you need to know whose insurance you should be claiming on if there are other vehicles involved. Here are some scenarios to think about:

Your car has been damaged and you don’t know how 

Perhaps it has been scraped in the street or the wing mirror has been knocked off. Get a quote for the damage and if it is affordable, pay for it yourself. This will save you having to pay an excess on your insurance and your premiums won’t be in danger of rising.

You have been involved in a car accident with another vehicle 

The person who is at fault should claim on their insurance. The repair can also be paid for privately depending on the cost.

There is a problem with your vehicle 

Check whether it is still under warranty. If not, it’s your responsibility and should be covered by your car insurance.