How Many Car Insurance Claims Can You Make in a Year?

car insurance claims in a year

How Many Car Insurance Claims Can You Make in a Year?

Sometimes, despite how carefully you drive, accidents happen. Here’s a list of factors that can help you know how many car insurance claims your provider will consider in a year.

How Many Times Was It Your Fault?

One of the red flags insurance companies watch out for is customers who make too many at-fault claims. This means that the accident or cause of damage was your fault, perhaps due to irresponsible driving or just poor decision-making.

In this case, you can expect your premium rates to increase. Eventually, your car insurance may not be renewed, as you’re seen as a high-risk customer.

How Many Claims Are You Making?

You may be tempted to claim damages that weren’t your fault—theft, vandalism, or a tree falling on your car. Keep it in mind that making too many car insurance claims in a year can result in your carrier raising your premiums.

The number of claims also depends on how many deductibles you pay. If your deductible is more than what you might pay at a body shop, you might skip the claim altogether.

What Type of Car Insurance Do You Have?

Do you have comprehensive car insurance, minimum liability, collision coverage, or liabilities coverage? Understanding your policy and what it covers will help you figure out how many claims you can make, as well as the deciding factors involved.

Can You Reduce the Number of Claims?

Yes, you can! To avoid filing too many car insurance claims, make sure you drive carefully, park your car in a safe zone, and maintain it well. Always weigh the pros and cons of claiming insurance versus paying for it out of pocket at a reputed repair shop.

These factors affect the number of car insurance claims you can file in a year. If you’re looking to enhance your auto insurance coverage, contact the experts at Club Agency Insurance Brokerage in Garden City, New York, today. We are ready to assist you with all your coverage needs.

COVID-19 Update:

At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time. Contact us today!Executive Order for Policyholder Payments