Insurance companies differ in their rating systems so depending on how your specific insurer determines their rates your insurance premium could be affected by this claim. To find out if the claim will raise your rates you should contact your insurance agent. Insurance companies must file their rates with their state's insurance regulatory body, so you could also contact them to find out about your insurance carrier's rating system.

If you change auto insurance companies the new company will likely see this claim since the car insurance companies share databases concerning previous claims, such as the Comprehensive Loss Underwriting Exchange (C.L.U.E.) Auto Report.