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Does your premium go up by if you're in an accident?

Ricemarine

Ricemarine

Lifer
If you're in a car accident, and damages to both cars are under your deductible and you file a claim with your insurance, does your premium go up? If so, is it going to be a massive or a minor increase in the premium? It may vary from company to company, but I want a general overview, thanks.

I have MetLife btw.
 
Most places have a certain limit that make it affect your insurance. When I had an issue, I specifically said, how much will you cover before my premiums go up. If the estimate goes over that, just take the cash out up to the limit and fix what you can.

But every company and every plan is different so call your personal agent.
 
My wife caused minor damage to another car last year. We filed with insurance becuase I don't trust anyone. Rates never moved, we never even heard about it again. USAA ftw.
 
Simple answer: It can.

It depends on the policy type, some have protection or allowances. Others will only go up if the claim is over a certain amount. I wouldn't be surprised if the time you have been paying since your last claim affect it...
 
Originally posted by: SoulAssassin
If it was under the deductible, why did you report it?
Click to expand...

To avoid lawsuits if they claim injury or pain and suffering even though my mirror just smacked their taillight.
 
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