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My Compass Group

13800 Coppermine Road, Herndon, VA 20171

877-521-1388

Griffin-Owens Insurance Specialists

847 Station Street, Herndon, VA 20170

(703) 471-0050

My Compass Group

13800 Coppermine Road, Herndon, VA 20171
877-521-1388

Griffin-Owens Insurance Specialists

847 Station Street, Herndon, VA 20170
(703) 471-0050

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Does Filing A Claim Affect Your Insurance Premium? 

One of the most common questions policyholders have is whether filing a claim will affect their insurance premiums. The answer, however, isn’t as simple as “yes” or “no”. Here, we'll explore how filing a claim can impact your insurance costs and what to consider before making a claim.

Does filling a claim affect your insurance premium? The effect of filing a claim on your premium depends on the nature of the claim, your claim history, and specific policy details. While each claim is assessed on its individual merits, our goal at Rockingham Insurance is to ensure fair and balanced premium adjustments that reflect your specific circumstances.

Types of Claims and Their Impact

  • Comprehensive Claims: These claims, often for events outside your control, like weather damage or theft, may have a minimal impact on your premium. They’re viewed differently than claims for accidents where you’re at fault.
  • Collision Claims: If you’re at fault in an accident, this type of claim can lead to a more noticeable adjustment in your premium. Such claims are often seen as indicators of riskier behavior.
  • Frequency of Claims: Filing multiple claims over a short period can also influence your premium. A pattern of frequent claims can suggest a higher risk level.

Considerations Before Filing a Claim

  • Assess Cost Against Deductible: If the cost for repairs is near your deductible amount, consider handling it directly to avoid potential premium adjustments. If the claim involves another party, you should report the claim to Rockingham Insurance for further direction and expert guidance on the claim process. 
  • Consider Future Premiums: It’s important to think about how a claim today might influence your insurance costs down the line. We’re here to provide the support you need to navigate the financial aspects of your policy.

Consult with Your Local Rockingham Insurance Agent

Given the personalized nature of insurance, you should discuss your specific circumstances with your trusted Rockingham Insurance agent. They can offer guidance on how a claim might affect your premium and help you to ensure that your coverage is both comprehensive and cost-effective. If you do decide to file a claim, you can always do so by visiting our website or by calling us at (800) 662-5246.  

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