As long as you file claims for legitimate reasons and have valid car insurance during the incident, most insurance companies do not have any specific limits on the number of claims you can file every year. However, if an agency decides that the accident was your fault, it can label the request as an "at-fault" claim. Typically, if you have more than two at-fault insurance claims in three years, either your insurance rate will be increased, or you will not be able to renew your policy.