Will filing a claim raise my premium?

The honest answer is: it depends on the claim, your carrier, and your history. What usually does not raise rates. A single not-at-fault auto claim, a comprehensive claim like a windshield, or a one-time small property claim with no fault on your part. Most carriers also offer some form of accident forgiveness for long-tenured policyholders. What usually does raise rates. At-fault auto accidents, claims with bodily injury, multiple claims within a 3-5 year window, and any claim suggesting underlying risk (multiple water damage incidents, multiple theft claims). The economic question. Even a claim that raises your rate can be worth filing if the loss is well above your deductible. A $10,000 hail loss is worth filing; a $1,200 fender-bender on a $1,000 deductible policy might not be. We do this math with you before you file.