Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • As the owner of an insurance policy, you have the right to cancel any claim that you file on your policy at any time and for any reason
  • One of the most popular reasons why you may want to cancel a claim that you have filed is that the deductible is too high for it to make sense to have a claim processed
  • Even if you cancel your claim, it still shows as having been filed on your insurance record, but there will not be any payout listed by your auto insurance provider
  • As long as the auto insurance company has not paid out any amount for your claim, the fact that you have filed and canceled a claim should not mean that you have to pay a higher rate for auto insurance in the future
  • By not having any claims filed on your policy, you are going to get the lowest rate possible for auto insurance coverage

When you file a claim for damage under your own auto insurance policy, you are the contact person for that claim. If you are the owner of the policy, it is your right to have the claim canceled whenever you want.

If you have filed a claim for damage based on your comprehensive or collision policy, then you will have to pay a deductible in order to have the settlement processed.

If you do not want to pay the deductible, it is your prerogative to cancel the claim. By canceling the claim before you receive any money from the insurance company, you can avoid having your insurance record negatively affected by the claim at all.

Compare car insurance quotes today to see if you could be saving on your monthly premium.

Reasons You May Want to Cancel a Claim


If you have not received a settlement check for your claim, there are certain scenarios in which it might make sense for you to cancel your own claim. This is true even if the auto insurance company has agreed to provide coverage for the damage.

When you are the person filing the claim, it is completely your decision whether to pursue the claim or not.

When you file a claim for damage to your car under your comprehensive or collision policy, you will be required to pay the deductible as agreed on your policy.

Everyone has a different deductible amount based on how much of a deductible amount that you can afford to pay out of pocket and what you can handle for a monthly premium.

Also, your auto insurance company may only allow certain intervals in terms of different options for deductible amounts.

The basic way that a deductible works is that if you do not pay that amount towards your car repairs, then the insurance company does not have to process your claim.

This is a way to prevent insured drivers from filing an excessive amount of claims and driving up the cost of auto insurance coverage across the board.

The more claims you have filed and the more that your insurance company has had to pay out, the higher you can expect your premium increase to be.

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What to Do if Your Deductible is Too High


If you find yourself in a situation where you want to cancel your insurance claim because your out of pocket expenses are going to be too high, then it might be time to evaluate your deductible.

If you lower your deductible, your monthly premium payments are going to increase by some amount depending on the formula used by your specific auto insurance company.

It is always worth asking your auto insurance provider about the options available to you for lowering a deductible. It is possible that your payments will not increase as much as you might think at first.

Also, if you have a newer car that you would most definitely want to have repaired in the event that it incurs some cosmetic damage, then it may be worthwhile for you to have a more reasonable deductible amount so that you can afford the repairs as needed.

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Filing a Claim and Your Car Insurance Premium

The good news about canceling a claim that you have filed before you receive any settlement check from the insurance company is that it will not count against you in terms of your premium for car insurance coverage.

The scenario in which you would likely be penalized when it comes time to renew your policy is if you actually received a payment from the insurer.

If you are concerned about your premium for car insurance and are looking for ways to make sure that you do not pay too much, the first step is to shop around.

By requesting quotes online from various providers, you can quickly find out if you are paying too much for your insurance coverage right now.

If you receive a notice from your auto insurance provider that your rates will be going up the next term, then this is a perfect time to check into possibilities for getting a lower rate for the same amount of coverage.

When you do request rates, make sure that you are requesting policy limits that meet your current coverage needs. It is never a good idea to take a lower rate just because you dropped off some part of essential coverage that you may need down the line.

In addition, when getting quotes, you may decide that you no longer need collision or comprehensive policies for your vehicle. This could be because the vehicle is older or you do not plan to drive it much longer.

Removing these two coverages could decrease the amount that you have to pay for your premium. When you purchase a new car, you can always have these coverages added back to your policy by calling up your insurance provider.

The Bottom Line

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You always have the option to cancel a claim that you have filed yourself on your auto insurance policy at any point. You can simply call your insurance provider to let them know that you no longer want to go forward with a claim.

If you have damage to your own car for which you filed an auto insurance claim, then you will not have any issue with having the claim canceled because the auto insurance company is better off not having to pay any amount for the settlement of a claim.

Use our free comparison tool today to see how much you could save on auto insurance.