said by mattmag: said by primeomega:
Your rates will not go up when you file a claim. People mistake the car side of insurance and home sometimes. What happens is if you have a claim, and you go to a new company, then you will start to pay more.
This information is not necessarily true. You may not experience a rate change with *a* claim, but if you have repeated claims within a certain period of time or a long claim history, I can assure you your rate will indeed be affected.
That information also is not necessarily true. It depends of the type of claim(s). Claims of this type caused by weather events generally do not count as a negative to the insurance companies for individual rating. Heavy loses may and do cause general rate increases for everyone in the area. My ex wife was a broker for numerous companies for 19 years and I have some direct knowledge.