How does a claim impact my auto insurance premium upon renewal?

Your premium is calculated by information that is unique to you and your vehicle. The same can be said for a claim – your premium might be impacted, but it depends on a lot of factors.

If you make a claim that falls under your comprehensive coverage, this typically won’t increase your premium. Though, too many comprehensive claims in a short period of time can lead to your insurer deciding to remove comprehensive coverage upon renewal.

If you have a collision, a premium increase depends on whether you were at-fault. If you were at-fault, you could see your premium increase. If you have accident forgiveness coverage, your premium won’t be impacted by your first at-fault accident.