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Will a Glass Claim Increase my Car Insurance Rate?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/30/2018

Q: I have heard filing a claim can increase my car insurance rates, does that mean glass claims also?

A: I have yet to see glass claims affect a car insurance premium. A glass claim is a comprehensive claim, and most comprehensive claims do not affect car insurance rates for two reasons.

  1. Most comprehensive claims, like glass claims, are not your fault.
  2. Most comprehensive claim payments are usually under a certain threshold that does not affect your rates.

However, while you are safe as far as glass claims are concerned not affecting your car insurance rates, don’t think you are free and clear to make as many other comprehensive claims as you want.  Not all comprehensive claims are created equal, and if an insurance company starts to see a trend in comp claims from you they may not raise your rates, they may just cancel you for excessive claims.

But if you haven’t filed a claim to replace that broken windshield because you were afraid of it raising your car insurance rates, go ahead and make that call.

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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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