Crashes on snow and ice are leaving hundreds of local drivers with pretty big bills at the body shop.

But before you file a claim with your insurance company, make sure it's worth it. As strange as it sounds, in some cases, you may be better off leaving your insurance company out of it.

No one plans on getting in a wreck when they left the house. But once the damage is done, don't assume your insurance policy will automatically cover the damage. A lot depends on how bad the damage is, and a lot depends on your policy. [read more]

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