Many people ask, “Should I file a claim after an accident?” We have all heard horror stories of claims causing your insurance premium to go up. Let’s say an accident is your fault. Perhaps you rear-end someone at a stop sign. Even a fender bender at 15 miles per hour can result in repairs costing several thousand dollars. Often times, it will cost you less in the long run to pay high premiums for a few years rather than offer to pay for the damages with cash. When the tables are turned and someone else is clearly at fault, then their insurance should pay for all damages. If their insurance isn’t stepping up, or if the driver is uninsured, you should contact your Alabama and Georgia car accident attorney to see if you should file a claim with your insurance company and to help negotiate all claims.