Lilah Butler, Car Insurance Writer
@lilah_c
Yes, windshield repair claims affect insurance in most states, though the rate increase is usually small because windshield repair claims are not related to the policyholder's driving. Insurance companies generally raise rates after windshield repair claims in order to recoup the cost of the claim.
However, it's worth noting that insurance companies in California and Oklahoma are not allowed to raise premiums for a not-at-fault claim. Insurance companies react differently to claims, too, so whether your rate changes could depend on your particular insurer.
In short, whether windshield repair claims affects your insurance will ultimately depend on the company and your state laws.
People also ask
How is car insurance calculated?
Car insurance is calculated based on factors that indicate how likely a driver is to file a claim, including age, driving history, car type and mileage. Insurance companies do not release the specific algorithms they use to calculate prices, meaning that each insurer will offer a slightly different rate to the same driver.
Since each company calculates premiums using its own individual system, it’s important to get multiple quotes while shopping for insurance. Checking...
read full answer by WalletHub, Financial CompanyWhen shouldn't you file an auto insurance claim?
You should not file an auto insurance claim if only your own vehicle is damaged, there are no injuries, and the property damage is minimal. A claim might make it cheaper to pay for a single incident, but it will likely raise your future premiums, which could end up costing you more money in the long run.
When Not to File an Insurance Claim
- After a minor single-car accident, when there’s little...
If a car accident is not your fault, does your insurance go up?
If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.
Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And...
read full answer by WalletHub, Financial CompanyDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.