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Originally Posted by blackkatt
You are correct in that the insurance company won't raise your rates over that claim, but they will hold the claim against you. Most likely if you have to file another claim, they will use the two claims to non-renew your insurance at renewal time. For a few companies, they would drop you over just the one claim.
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That's pretty crapy to drop someone over a few hundred dollars. I could understand if it were a couple of thousand. I've had several claims over the years and never any problems. I use Geico. My brother totaled his car and that was his only claim in 10 years and they did drop him. He used Allstate. So I think it has to do with the amount of damage(cost) on the claims.