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Rates Goes Up After No Car Insurance Claim?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/31/2017

Q: I got a parked big big truck …( I know how the hell do I not see a truck the size of a mobile home it was a semi that was pulling out a 3 bedroom mobile home) I hit it not a scratch on the big truck my truck back fender was done
I reported it because my daughter said to but I did not put a claim in I fixed it myself paid out of pocket no damage to anyone biggest damn mistake ever even though I didn’t cause any damage and no car insurance claim and know when I call I got a quote for 135 but then they see the accident and it goes up to 210 a month and went from 180 down to 250 down and that’s the cheapest There’s higher ones.

A: Unfortunately, yes, this happens. Any claim that is reported on your car insurance goes on your CLUE report and can be counted against you even if nothing is paid out.

Is this fair? No, it is not. But car insurance companies argue that any accident that is reported, whether they pay out anything or not, is a glimpse into what your driving is like. Any accident you have increases your risk that you will have other accidents in the future and they want to charge you a higher rate to protect themselves from this likelihood.

For the many times I have been asked if someone should report a claim, I always tell them that it is up to them. The car insurance is there to pay for events like this, but there is always the chance that their car insurance premiums will go up with any car insurance claim they report, regardless if it is closed without pay.


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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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