Can You Cancel a Car Insurance Claim?

Let’s say your car sustains damage from a falling branch. You immediately file a claim, so your policy helps cover repair costs. However, your estimates turn out lower than you expected. Can you cancel a car insurance claim?

Yes, you can. In most cases, you can cancel a claim after filing it. And the process isn’t complicated. You can simply contact your insurer and inform them you’re not pursuing your claim.

However, you cannot cancel your claim if you were at fault in an accident. You also can’t cancel one that another driver filed against you.

• Can You Cancel Car Insurance Claims After Filing?
• Why You Might Want to Cancel Your Auto Insurance Claim
• How to Cancel Your Auto Insurance Claim
• Frequently Asked Questions About Canceling Car Insurance Claims

Yes, you can generally cancel a car insurance claim after filing it. It’s best to do it sooner rather than later. For example, canceling a claim during an investigation is better because the insurer hasn't made a determination on payment yet.

You can still cancel your claim after your provider issues you a check if you haven’t cashed it. You’ll need to mail the payment back to complete the cancellation.

However, you cannot cancel the claim if you’re at fault in an accident and the other driver files a liability claim against you.

You can cancel a car insurance claim in most situations. These include when your car is considered a total loss after an accident or due to other types of damage. You shouldn't encounter challenges if you decide you don't want to pursue the claim anymore.

The process of how to cancel an auto insurance claim isn’t complicated. You can contact your car insurance representative and let them know you want to discontinue the claim. Doing so saves your insurer from covering the cost of your damages, which works in their favor, too.

There may be some confusion about how to cancel a claim, so we’ve gathered the most commonly asked questions to help you navigate the process.