How does an auto insurance claim affect your policy?

Submitted by Anonymous (not verified) on Thu, 01/10/2008 - 17:47
When you make a claim on your auto insurance policy, the insurance company begins to consider you as potentially risky. Hence, a claim does, in normal circumstances, increase your auto policy premiums.

Why does a claim increase your policy premiums?

When you make a claim after an accident, your insurer may have to pay for:
  • Medical treatment for you and your passengers (if any)
  • Repair damage to your car or any other property
  • Your lost wages and any other damages
If it happens that the other party involved in the accident is uninsured, your own insurance company will have to bear the expenses and this can be quite expensive. After the insurance company pays you against a claim, they will try to recover the amount paid to you, but in most cases they won't be able to get back the entire sum. So, when they renew your policy, they will ask you to pay higher premiums to counter any future risk of a claim.

Are there other factors that affect auto policy premiums?

Claims alone don't trigger increase in insurance rates, there are also few other factors that may influence your insurance premium. Some of the factors may be directly related to you and some may not be.

Here are few other common reasons why your premiums might go up:
  • Receiving a traffic ticket: Your receiving a ticket, may not pose any threat to the insurer, but that definitely makes you a risk. Tickets for traffic violations reflect carelessness in your driving and hence insurance companies see you as higher risk which means higher rates for you.
  • Too many claims paid by the insurance company: You may not have been the claimant, but the insurance company might have paid a lot of money over claims made by other policy holders. In such a case too, your premiums might go up. You may not have anything to do with this, but since there had been too many claims made by other policyholders, the insurance company may decide to increase the rates of every policy holder in their company.
  • Adding a new driver to your policy: Each time you add a new driver to your existing policy, your rates will go up. Irrespective of what age the driver is, or the driving record, your auto rates will go up. If the new driver is a teenager or someone with a not so good driving record, companies make greater increase in rates.

Does a claim for PIP coverage in no-fault state affect premiums?

Claiming Personal Injury Protection (PIP) or First Party Benefits in a no-fault state does not increase your auto insurance rates. If you make a claim, your PIP coverage will compensate up to the coverage limit after which the additional medical bills can be transferred to your health insurance.

One thing to remember here is to not make your health insurance a primary means. If you do make it primary, then in case of any medical bills, your health insurance will kick in before PIP, even in an auto accident.

How can you avoid an increase in premium rates?

The best way to prevent an increase in premiums would be to avoid accidents and traffic tickets. But some companies offer policyholders an accident forgiveness program. These programs are designed such that you (policyholder) can be forgiven for minor accidents up to a certain number of times and your insurance rates will not increase. However, there are limitations to the number of times or the frequency of accidents beyond which your rates will go up.

Insurers have excluded major accidents from the program and if you have a claim for a major accident, you may be disqualified for the program for as long as it reflects on your policy. Again, tickets for Driving under Influence (DUI) may also prevent you from qualifying for such a program. So, if you want to qualify for this program you need to have a good driving history with no claims for a major accident.

I live in Pennsylvania, which is under a 'No Fault' system. What happened was me, along with 3 friends were involved in a car accident;my friend was the driver. A car hit us from the side, hitting the front of our car, and we had the green light. The driver of the other car was technically at fault, and now the real problem I'm facing is this: We all went to the ER to get checked on, the bill comes to us, my friend tells me he's claimed us all into his insurance for medical coverage, BUT his insurance tells him that because it's a no-fault law, we are each suppose to claim the accident ourselves to our own insurance/parents insurance...which doesn't make sense to me at all. His company is Allstate, and I've talked to the representative and did my research. According to the representative, if I claim with my dad's auto insurance, the bill will be taken care of and his premium will not rise, but where's the logic? Why would my dad have to claim me if it had nothing to do with me when the responsibility is on my friend? Plus, he(dad) called his company and they told him his premium would rise. So now i am stuck, and unsure of what to do. The bill itself is $800.00 and there is no reason why I should pay out of my own pocket or increase my dads premium because of this. Can anyone provide any help as to what I should do..? Why isn't the driver allowed to claim all of us in his medical coverage? Why do we each need to claim this separately to our own coverage when the driver is to be responsible? thanks for any comments

Posted: 11 Jan 2008 12:43 Post Subject:

Good morning bowbowbow and welcome to the community...

Oh my PA insurance laws give me a headache! :roll: But surely between all the experience on this site we can help you out! Let's try....

I live in Pennsylvania, which is under a 'No Fault' system

Well, kind of they are, they are a 'choice' no fault...

BUT his insurance tells him that because it's a no-fault law, we are each suppose to claim the accident ourselves to our own insurance/parents insurance...which doesn't make sense to me at all.

He may be partially or completely correct...I still think as passengers though you would be eligible for his pip coverage...Turn them into his carrier, (claims dept or adjuster NOT his agent) and if this is correct they will formally (via written letter) send an explanation to you or your folks...

Plus, he(dad) called his company and they told him his premium would rise

Whom ever dad talked to was either uninformed or lied...if you did your research then you know...

First Party "PIP" Coverage
First Party Benefits (previously referred to as Personal Injury Protection, or PIP) is mandatory coverage. This is a basic no-fault type of medical insurance for your own medical bills. The minimum coverage required by law is $5,000.00. Regardless of who is at fault for the accident, your medical bills (if you need treatment) will be paid through your PIP coverage. You are entitled to this protection, and using it will not affect your rates or premiums in any way. If you exhaust your PIP limit of coverage, then any additional excess medical bills can be submitted to your health insurance. ..


but where's the logic?

Honey, I understand and agree with you, but that/those are the insurance laws in your state...which is also why HE CANNOT BE RATED UP FOR IT!

Why isn't the driver allowed to claim all of us in his medical coverage?

Well, again I'm not 100% true that, this is acurate, they may be able to...again, file it (formally) with the ADJUSTER, and have the ADJUSTER formally deny it (in writing) if that's the law, then that's the law, and go ahead and file the pip claim under dad's policy with the assurance it cannot raise his rates...

Here is the web link for your state's dept of insurance comsumer liason...just either call her or send this question to make yourself feel better (re:rate increase for pip claims) or get more clarity regarding this issue...
http://www.ins.state.pa.us/ins/cwp/view.asp?a=1344&Q=545534

hope this helped, others will likely respond with additional information..you need to find out too which tort option dad has on his policy, as you 'may' have an injury claim against the 'at fault' party...

Posted: 11 Jan 2008 06:36 Post Subject: car accident...can i sue the insurance company

Hi..thanks for reading it and helping.
my bf was in a car accident. the other car hit his car in the back and as the report indicates. its not my bf fault but the other guys fault. we got the report. we called the auto insurance co. Now the problem is that the other driver was not registered on that car insurance, but the other car was never being reported as stolen, so we assume it was a friend. The insurance co. has beein trying to contact his client, by mail and phone but he is not asnwering or calling them back. this happened a month ago and nobody is helping in this matter. can I sue the other insurance com (the other driver;s insurance co) for not doing their job and because they did not have all the information updated?

please help

thanks !

Posted: 12 Jan 2008 05:59 Post Subject:

Lori is correct... and you should go pound on the head of the insurance person who told you filing a PIP claim under your own policy would affect your rates.

Your parents PIP should extend to you and it would be the primary insurance to address your medical bills (require by law to address them)

Many states have adopted No-Fault laws because of your _exact_ situation. While the other insurance company is determining liability and coverage, who would be paying your medical bills? Without No-Fault, no one. You mentioned that this was not fair. You're 100% correct. So, to a certain degree, each person's _own_ carrier address those bills. If all carriers do this it works out just fine as they all have the same right of recovery (none or all). So it's really just a wash.

You can't sue the insurance company as PA is not a direct action state (they did not cause the loss). You could sue the driver/owner of the other vehicle. But _you_ can only sue based on your parents PIP tort election. You can read the following:

"If you chose the "full tort option," you retain the right to sue negligent drivers. You may sue for any uncovered medical expenses or wage losses. You may also recover for your pain and suffering, for other economic losses, and for the permanent or continuing limitations on your activities and income that may result from your injuries.

If you chose the "limited tort option," you can sue only for the actual economic losses you have sustained that are not covered by your automobile or other insurance. However, if you have sustained a personal injury resulting in death, serious impairment of a body function, or permanent serious disfigurement, you may sue for your pain, suffering, and other losses. Also, if you elect the limited tort option, you may still recover for pain, suffering, and other losses if the negligent driver was drunk, was driving an out-of-state vehicle, injured you intentionally, or was uninsured. You can also sue if you were an occupant of a vehicle not a private passenger car or if you are suing a business responsible for a motor vehicle defect that caused your injury.

If you do not have your own policy of automobile insurance, you are bound by the tort option selected by your spouse or any insured relative with whom you live. When you select a tort option for yourself, you bind your children and your spouse or relatives in your household, unless they have their own automobile insurance policies."

If you secure the service of an attorney... the attorney won't file suit. The attorney would wait until the coverage issue was resolved and then just send over a demand to the carrier. If the other carrier won't provide coverage, there is no money for the attorney to get paid. Also, with minor injuries it's not worth the added expense and time to actually file a suit. People think filing a suit is quick, easy, does not cost anything and it done to have justice severed. Trust me, it's none of those thing.

The other carrier can easily take up to 30 days to determine why this person was using the car. Most likely this won't change anything but they will want to know. Hopefully before 30 days even if they cannot reach their insured or driver they will still make a decision. I'm guessing that this other owner has a non-standard policy. This means they are a high risk (for a reason). Not to offend anyone but these people can be terrible to deal with. They loan their cars out to anyone for any reason and don't feel the need to talk to anyone... unless they have coverage on their own vehicle. Only then do they speak to their carrier. This is another reason why it's a good reason to have collision insurance on ones own vehicle... and another reason why having No-Fault/PIP is good as well.

Posted: 29 Mar 2008 05:54 Post Subject: Welcome to our community!

Hi frustratedandinnocent,

Welcome to the ampminsure community!

Your post has been shifted to the following page in order to invite a better user-response:
http://www.ampminsure.org/claims/repairs-dilemma.html
Regards,
Lakemen

Posted: 30 Mar 2008 04:31 Post Subject:

can I sue the other insurance com (the other driver;s insurance co) for not doing their job and because they did not have all the information updated?



No. They are doing their job, the other party is not. The other driver is responsible for the damages to you BF's damages, not their insurance company. In the contract between the other party and their insurance company, it will clearly state the insured is to assist in any investigation arising from a claim against the insured.

The other party is actually breaching his insurance contract by not cooperating.

Needless to say, you would have to file suit against the other driver since he was the at-fault party. It would be foolish of him to not cooperate with his insurance company and risk a lawsuit.

Posted: 16 Feb 2010 07:06 Post Subject: safe driver

Does my daughter's traffic challenges stay with me if we are on the policy under my name, even though she has her own vehicle. I am trying to get seperaste insurance and I am being told I am un insureable yet I have had no tickets in 9 years and no accidents, that was my fault and my insurance did not pay out any money

Posted: 13 Mar 2010 09:40 Post Subject: claim

how long do it take by law for a insurance company to let you no if their going to pay you're claim for my car being stolen and totaled out

Posted: 13 Mar 2010 01:36 Post Subject:

well bw it depends on the circumstances....

Posted: 13 Mar 2010 01:41 Post Subject: insurance

Wow!! Those were great tips about what can effect your Insurance policies, etc (even though it was an older post). (Just venting here, I suppose..) I know someone who has ALOT of speeding tickets, etc., has gotten into several car accidents, and STILL drives!! How can ANY Insurance company 'pick her up' after all of that!? She's even tried to lie to Insurance Co's about her driving record!! I really don't know how she gets away with this!! Does make me upset, because 'we' have people, on the road, who are safe drivers.

Posted: 14 Mar 2010 04:46 Post Subject: minor accident with no injuries

My daughter had a speeding ticket within the last year that was removed from her record because she completed a class. Now she has had a o-fault non-injury accident and the question is how much would her AAA auto ins. increase and for how long/

Posted: 15 Mar 2010 11:09 Post Subject:

helpme, If she was not at fault, then the claim will not be coded as "chargeable" (meaning no rate increase)...I assume the other carrier is handling the damages?

Posted: 17 Mar 2010 06:35 Post Subject:

All the answers have some merit and I'm sure helped clear things up. Maybe I'm in need of new reading glasses, but I thought this was the health forum...not the auto insurance forum.

Steve Benedict

Posted: 14 Jun 2010 02:52 Post Subject: File an claim

If I file an auto accident claim, the insurance will raise the premiums. However, if I don't file an auto accident claim, will the insurance still raise the premiums or no? Or does the insurance raise the premium no matter what?

Posted: 12 Feb 2011 08:23 Post Subject: How long does it last.

How long does it last? Because i was trying to get insurance and some don't want u to get it with them....

Posted: 12 Apr 2011 02:47 Post Subject: should I file a claim?

I am worried my ins will be cancelled. Totaled a vehicle in 2008, this past weekend had a parking lot fender bender, some tricked out car with custom parts, backed into it going 1mph, can barely see damage, estimate is $1900 - USAA is ins co., how will this affect my policy? Might they cancel me?

Posted: 18 Apr 2011 01:23 Post Subject: hail damage to my auto

We had a hail storm & my car received $1100 in damaged. I have a $500 deductible. Should I turn this into my insurance company? I don't want my rates to go up

Posted: 18 Apr 2011 01:05 Post Subject:

In both instances above, filing claims with your insurance carrier MAY have an effect on future coverage or cost. If you were at fault for a collision, or suffered a covered "other than collision" (AKA: "comprehensive") loss, your insurance will pay the claim (minus any deductible).

Comprehensive claims, such as hail damage, probably will not affect the risk/rates. But if you told your insurance company that you park the vehicle in your garage at night, and they determine that the damage resulted when your car was not garaged as it "should have been", they could deny issuing comprehensive coverage entirely in the future.

In the case of a minor fender bender (no one drives "1 mph" -- people walk faster than that), the fact that you were at fault is a future risk factor . . . inattention at a slow speed, perhaps that also is indicative of inattention at higher speeds. It could easily increase your rate. The amount of the claim itself has little bearing on the risk.

In either case, if you don't want the insurance company to become involved, even though they might learn of the incidents later, just pay for the damages with your own resources, and it's mostly a non-issue.

Posted: 09 Jun 2011 01:18 Post Subject: PIP claims from the other driver

I reently was invlved in a an accident. (1st 1 in 20 years)Our damage was to the sides, no major impact. There were NO injuries... I beleive it was his fault, yet my insurance company paid for his car repairs and is now considering a large PIP claim payment. They have admitted that they do not believe his injuries yet they are negotiating a settlement amount... Unbelievable!..How will this effect me in my record and rates with another insurance companies.

Posted: 09 Jun 2011 04:38 Post Subject:

If the accident was your fault, there is not much you can do about it. One accident will have some effect on your premiums, but each company will apply its own standards to your overall risk. There is no standard answer to this question.

Posted: 10 Jun 2011 03:40 Post Subject:

hm, thank you for sharing this insights... really helpful...

Posted: 04 Aug 2011 01:39 Post Subject: Premium increase

I live in NJ & have a good record of driving, never got into a car accident for the last 25 years. Unfortunately, a guy hit the front of my car when he tried to cross the red light & his brake didn't work, so he hit my car right in the front. I had all the police report stated it's not my fault. But my AAA increase my premimum to $700.00. How do I write a letter to demand a decrease in this case? thanks

Posted: 04 Aug 2011 10:58 Post Subject:

Increase from what to $700. What year, make, and model of vehicle? Considering you're in New Jersey, one of the top five states with the worst drivers in America, it doesn't seem all that terrible on the surface.

Writing a letter to "demand" a decrease is largely a waste of your time. It's not your call. Talk to your agent about requesting "reconsideration" of your increase instead, since it was not an at-fault accident.

Posted: 31 Aug 2011 09:18 Post Subject: Auto Insurance info on not atfault

My daughter was in a three car accident and she was driving her aunts vehicle when it happen. She was not at fault. she called her aunts auto insurance and filed a claim and submitted all documents they requested. But now her aunt told me that her insurance co. added my daughter to her policy with out permission. I've called them and told them my daughter lives with me in Georgia and Not in New Jersey. they said in NJ They can add her. Can they just add my child with out permission even when she never lived with her aunt?

Posted: 01 Sep 2011 03:48 Post Subject:

There is no reason to add your daughter to her aunt's auto policy. However, if there is no increase in the premium, then it really doesn't matter, does it?

Regardless, your daughter's aunt is the policy owner, and she is the only one who can deal with the insurance company concerning policy changes.

Posted: 23 Sep 2011 02:23 Post Subject: cancelled insurance

I was insured for 15 years with one auto company and decided to switch my auto and home insurance. One week after I changed companies, I had an accident that totaled my car. Could my original insurance still be in effect; the new company is not cooperating in payoff.

Posted: 23 Sep 2011 05:28 Post Subject:

If you started and paid the premium for "Policy B", they are responsible for your loss. It's too bad for them that the claim happened so soon.

The word in contract law that describes this situation is ALEATORY -- unequal giving and receiving. You gave them the premium they asked for, they gave you a contract that obligates them to pay -- even if they have to pay more than you paid them. That's the nature of the insurance "game".

Keep talking to the Company B claims department until they come around. Ask to speak to a higher level supervisor.

Posted: 02 Oct 2011 06:20 Post Subject: Auto Insurance

If there is a single vehicle accident and Personal injury claim was made,does the auto insurance premium will increase?

Posted: 22 Oct 2011 12:54 Post Subject:

I am having a dispute with my boyfriend about car insurance. We live in Florida, which is a no fault state. He says that if a car hits my car and it is they're fault, both that driver and my rates will go up. I say that in that situation sinse I was not at fault, the person's at fault would rise and mine would stay the same. So ultimately my question is, if i am in an accident that was not my fault, would my rates go up? Does it depend on the Company?

Posted: 25 Oct 2011 06:48 Post Subject:

No, your rates shouldn't go up if you get involved in an accident that was not your fault.

That's why it's important that you get a police report stating that you were not at fault and immediately notify your insurance company to be on the safe side.

However, your rates may increase due to several other reasons such as, other driving rules violation, your insurer's financial condition etc. But the insurer can't raise rates because of a 'not at fault accident'.

Posted: 18 Nov 2011 06:12 Post Subject: will my insurance go up

i was driving and a cat ran out infront of me.
i turned to miss it and the wood i had in the back of the truck flew out and smashed the quarter panel no other damage will this increase my insurance if i claim.
damage was estimated at 1475.00

Posted: 18 Nov 2011 10:17 Post Subject:

Depends on your insurer, but I don't think it should affect the premium rates.
Also do you have a comp. coverage?
Because this damage won't by covered by collision coverage, since there was no collision that caused the damage so I think only comprehensive coverage would pay for the damage.

Posted: 18 Nov 2011 11:57 Post Subject:

i was driving and a cat ran out infront of me.
i turned to miss it


Maybe you'll have figured out that a cat is not worth $1500 in body damage in the future. In the meantime, comprehensive claims do not have as much effect on premiums as collision claims do. If you don't have comprehensive ("other than collision") coverage on your policy, then you have nothing to worry about . . . except coming up with the money to pay for the repairs.

Posted: 18 Jan 2012 11:06 Post Subject: PIP Claim in FL

A year ago my sister was driving my car and she got into an accident. The accident was in no way her fault the other person ran a stop sign. The other driver was indeed covered by full insurance. My sister got a lawyer to persue the accident and her injuries. About a year after the accident I went to get a different insurance through a new company when I found out I had a PIP claim on my driving record stopping me from getting insurance and also raising my premiums at every place I checked to about 400$ a month. When the settlement was all said and done I reviewed the papers the lawyer gave my sister and noticed that the first initial medical bills from when she wrecked the car and had to go to the hospital the lawyer for some reason billed my insurance company. The rest of the medical bills went towards the other drivers insurance and was paid.
Not only was I not in the car at all but I got the screwed end of it with no car a PIP on my driving record making my car insurance premiums go up, but my sister ended up with the full settlement and nothing on her driving record and is able to afford insurance that is less then 400 a month.

I do not know what to do to fix this is there anyone out there that can help me. My email is breathingintune@hotmail.com

thank you.

Posted: 20 Jan 2012 04:53 Post Subject:

Did your sister’s insurance company claim PIP against your carrier? That is the only way that PIP can go up. Was your sister listed as a driver of the vehicle under your policy?

Posted: 19 Feb 2012 04:09 Post Subject: car acccident

hey i had a wreck 2 month ago and i had just 3rd party libility on my insurance. it was my fault. total both car and my freind file a claim on me feor 3000. and it say also another bodily was injure. will my insurance pay for all the claim file agaisnt me?

Posted: 20 Feb 2012 09:17 Post Subject:

will my insurance pay for all the claim file agaisnt me?
Your liability insurance pays up to whatever limit you have paid for. For example, in California, most policies have a minimum limit of liability (as required by law) of $15,000 per person, $30,000 per accident (a special category of "low cost auto insurance" available in most parts of the state has lower limits). If the total claims for any one person exceeds $15,000, and/or the total claims exceed $30,000 for one accident, then your minimum liability policy would leave you responsible for the excess portion of the claim(s).

Without more information, we can only give you general answers such as this.

Posted: 31 Mar 2012 12:44 Post Subject: hi

can i still drive if the person i hit sue me because i did not have insurance

Posted: 31 Mar 2012 04:27 Post Subject:

Sure. But your state probably has a law that allows your driver license to be revoked for not having insurance and being involved in a collision. Is there a reason you still don't have insurance?

Some people say, "It's too expensive," If that's true, then they should not be driving to begin with, because that's more expensive than the insurance.

Posted: 02 Apr 2012 05:34 Post Subject:

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Posted: 03 Apr 2012 03:27 Post Subject: PIP claim in Texas--rate increase?

You stated that if you make a PIP claim in a "no fault" state that your premium does not increase. What if you are not in a "no fault" state--like Texas--does making a PIP claim in itself set you up for a rate increase?

Posted: 03 Apr 2012 03:37 Post Subject:

The answer should still be no. But then, again, Texas is its own country.

Posted: 10 Apr 2012 07:04 Post Subject: Re:How does an auto insurance claim affect your policy?

Nice information and good article. Thanks for sharing.

Posted: 12 Jul 2012 07:15 Post Subject: Car insurance premiums

I have had a small accident in that I have scratched and dented my car and scratched and slightly dented my lodger's car (misjudged space between them when reversing). I want to know, if I claim on my insurance, how much will my premium increase (percentage for instance)? I need to know this before deciding whether to claim on my insurance or pay privately for the repairs.

Posted: 12 Jul 2012 11:24 Post Subject:

No one here can answer your question.

Posted: 25 Aug 2012 03:50 Post Subject: Claims increases

I live in NYC and my car is too often damaged while parked. I have filed three cliams already this year for parking damage. Two were slightly under the 500.00 deductible (around 400.00). The other well above and GEICO paid me 1000.00 after the deductible. I lowered the deductible to 250.00 a few months back and got rammed again (an SUV no doubt) near the grill of my BMW 325i (a low front end). I could get the damage paid for (estimate might be 600.00) Should I file a claim or just pay the 250 myself? ( I know a good cheap autobody shop in Yonkers).
How many claims are too many?
How far back do insurance companies go back to raise your premiums.
Does it matter if they don't make a payout on a claim?
Could they reject my car as in a too risky place (NYC)?

Thanks for any insight you could provide.

Posted: 25 Aug 2012 07:44 Post Subject:

How many claims are too many?


Your insurance company will let you know.

My question is this: If your deductible was $500, why would you make a claim for any lower amount of money? You are on the hook for all amounts below the deductible.

I could get the damage paid for (estimate might be 600.00) Should I file a claim or just pay the 250 myself? ( I know a good cheap autobody shop in Yonkers).


What does this mean? That with insurance the cost of the damage is $600, or without insurance it is $250? If that's true, then the "cheap autobody shop in Yonkers" is committing insurance fraud, and should be investigated by the state Superintendent of Insurance.

Does it matter if they don't make a payout on a claim?


No, it doesn't matter. Your premiums are a reflection of your risk exposure, not your claims payments (or non-payments).

Could they reject my car as in a too risky place


Of course.

Posted: 21 Feb 2013 03:20 Post Subject: other person now claims body injury when was ok at seen acci

i got in a slight accident a week ago. everybody ok at seen. no tickets issues. because we both at fault. now man trying bring up a claim of body injuryies he was fine laguhing and jokes at seen after accident. what do i need to do? my insrance company slow resonpeing i just dont know what to do. :?: :?:

Posted: 22 Feb 2013 12:35 Post Subject:

what do i need to do? my insrance company slow resonpeing i just dont know what to do


First, see my sig.

You need to allow your carrier to address the claim.

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