Will filing a claim for a vehicle scratch affect next year's insurance?

1 Answers
VeraLee
07/30/25 2:33am
Filing a claim for a vehicle scratch will affect next year's insurance. Filing one claim: Filing one claim does not affect next year's premium. If you have already left the scene, you can explain the situation to the claims adjuster, who can take staged photos at the scene or find another location for staged photos. If the insured or an authorized driver causes an accident while driving the insured vehicle, resulting in damage to the insured vehicle, the insurance company will compensate within a reasonable range. Filing two or more claims: Vehicle damage insurance, which covers the loss of the vehicle itself, stipulates that filing one claim will increase the premium by 10%. Before filing a claim, it's best to calculate based on your current year's premium. If the 10% increase in premium is higher than the repair cost, filing two or more claims in a year will affect next year's insurance.
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