If I file a claim where my friend wrecked my dad's car, will her insurance rate go up?

My friend hit the corner of an Airbnb rental house, resulting in $500 damage to their house and about $1500 to the car. The car is mine but registered and insured by my dad.

Sep 20, 2017 San Diego, CA

Neil Richardson

Sep 20, 2017

Technically speaking, filing a claim would not result in a "point" on your friend's license because insurance companies do not issue "points" to the DMV. Points are the result of tickets and accidents where a police officer was called to the crash scene or wrote a citation. Unless a police officer was called to the accident scene then she probably will not have an extra "point" on her license. However, the claim will likely be listed on her CLUE report since she was the driver at the time of the accident, and that can cause her insurance rate to increase.

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