Quote:
Originally Posted by cali240sxdrifter
I need to do a comprehensive claim with my S2000... This is the second time they slash my top... My insurance doesn't go up if I do a comprehensive claim right?
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Yes and no. There are 2 competing theories:
1. People who filed claims in the past tend to file claims in the future.
2. Claims are filed randomly, and past claims do not predict future claims.
There are thousands of research papers that talk about both theories.
Insurance companies subscribe to one or the other, and sometimes both.
So depending on which theory your company subscribes to, your premium may or may not go up.
This question is better suited to be directed at your current insurance carrier so you know before you file a claim, but be warned that the typical claims rep won't know the answer. You will need help from underwriting.