To any normal person in the street, claiming insurances should be made whenever disaster strikes or an accident happens. Simple? If only it were true in real life.

The decision to file a claim or not is rarely simple. Or it maybe, in the mind of a simpleton. The intricacies of such a simple yet heart-pounding decision are such that most of the time, filing a claim will cause the company to raise your rates. Other times, the company puts your name in a database that includes other people whom the company will give a hard time getting or maintaining coverage in times to come.