Will Your Car Insurance Rates Rise After Claim? 
Paid claims are a factor in determining the renewal premium for an auto policy . Companies look at claims that exceed a threshold amount , frequently $ 750 . Claims that are considered are those where the customer or whoever was driving his car is at fault . The increase in premium is not designed to recover what the company paid ; rather , it is an estimate of the increased risk of the drivers in the household and anticipates future claims . 