How filing claims may affect your car insurance rates

Not every claim leads to a rate increase. Learn the common factors insurers consider and how to decide whether to file.

What insurers review

• Claim frequency — multiple recent claims are more likely to cause a rate increase than a single isolated claim.
• Fault — claims where you were at fault typically have a larger impact on your premiums than claims where another driver was responsible.
• Claim size — small claims near or below your deductible are sometimes better paid out-of-pocket to avoid a surcharge.

Minor claims vs. major claims

Minor damage that you can afford to repair out-of-pocket may be worth paying for to avoid a potential premium increase and loss of accident forgiveness credits. For larger losses or injuries, filing is often necessary to access available coverage.

Protecting your record

• Ask about accident forgiveness programs that prevent the first at-fault claim from increasing your rate.
• Keep a clean driving record where possible — some insurers look primarily at the recent 3–5 years.
• Shop around after a rate increase; different carriers weigh claims history differently.

When you must file

Certain accidents must be reported promptly to law enforcement or to your insurer under policy terms or state rules. If injuries occur or limits may be exceeded, filing a claim is typically the right course even if you suspect a rate impact.

Practical step: Before filing, call your agent or insurer's claims hotline, ask how a specific claim is likely to be handled, and get a clear timeline for investigation and payments.