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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

Does a hail damage claim increase an insurance premium?

A claim for hail damage, which would be placed under your comprehensive portion of your policy, may or may not increase your auto insurance rates. There are many factors involved in the rating system such as state laws and regulations and internal insurance company guidelines.

Some states do not allow for rates to be raised due to not at fault incidents, like a hail damage claim, while others states do allow it and then it would be up to your own individual insurance carrier's rating system to determine if your premiums would rise due to this claim.

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Also it may depend upon if this is your first car insurance claim or you have an extensive claims history. If you have made quite a few claims with your insurance provider then a new claim for hail damage may allow for the insurance company to raise your rates.

If you have had hail damage your vehicle and are trying to determine if you should make a claim or not for the repairs we would advise discussing the issue with your insurance agent and getting details on your insurance carrier's rating system with regards to this type of claim.

[Let CarInsurance.com help you find affordable auto insurance now.]

To find out if any state laws would help determine if rates can be affect by such a claim try contacting the consumer division of your state's insurance regulatory body.

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Related Questions
Car Insurance Related My insurance company paid me for hail damage on my car about 3 years ago. I did not have the car repaired and the lien holder did not object. If the same car was damaged again by hail can I legally submit a claim for the new damage since I did not repair the car from the old hail damage.?
Car Insurance Related I filed a hail damage claim on my car, and my insurance agent made a check out to me and my lien holder. However, my lien holder won't endorse the check until all the damage is repaired. What shop is going to repair my car and wait a week to get paid for it? Many people have told me I can cash the check without the lien holders endorsement. Is this true? Do I have any options, besides paying for it myself, which I can not do? Thanks for your help.
Car Insurance Related Does hail damage to my vehicle fall under comprehensive or collision coverage?
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Question Details
This car insurance answer was last updated 1:59 PM Apr-04.
This Insurance Claims question was asked 06:54 PM March-29-2007.
Mohamed A. requested this car insurance help from CarInsurance.com experts.
Rated 10 out of 10 based on 2 votes.
Insurance Claims Category
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