Car Insurance Costs
Motorcycle Insurance

Will a comprehensive claim on my motorcycle affect my car insurance rates?

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

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Car Insurance Costs
Motorcycle Insurance

Will a comprehensive claim on my motorcycle affect my car insurance rates?

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

Car Insurance Costs
Coverage & Claims

How will my rate be impacted by opening a comprehensive claim? How is fault decided?

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Coverage & Claims

Will filing a claim for uninsured driver property damages with my insurance company raise my premiums?

Sorry to hear about the hit and run. Filing an uninsured motorist claim should not affect your rates.

Coverage & Claims

Do I need to report a claim I filed if the homeowner didn't follow up with it?

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.

Car Insurance Costs

Will my rates go up if I file a claim for a vandalized windshield?

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three year period.

Car Insurance Costs

If someone else crashed my car and they were at fault does it affect my rate?

I'm sorry to hear about your situation. The good thing is that the driver is covered under your policy, assuming you gave them permission to drive the car.

Coverage & Claims

My insurance company held me 10% responsible for not taking "evasive action." Will the 10% charge likely cause a higher rate elsewhere?

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable.

Car Insurance Costs

What could be the reason State Farm increased my premium?

Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.

Car Insurance Costs
General Insurance

Can I get accident forgiveness after an accident?

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.

Coverage & Claims

Is the penalty for an insurance claim equal no matter what the offense was?

Unfortunately, it's not that simple and there are many reasons to file a claim not necessarily as a result of reckless driving or other risky driving habits. Insurance companies do not look at the reason for the accident, they look at whose company paid the claim and what it cost them.
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