Would A $600 Property Damage Claim Raise My Car Insurance Rates? 
Talk to your Insurance Professional about the specific terms and conditions of your policy . As my colleage said , each company is different and thus handles at fault losses differently . If your company includes a `` first accident forgiveness '' benefit in your policy , then you would not be surcharged . Some companies may not surcharge for the accident per se , but if you are receiving a discount for being accident free for a number of years , that discount may be removed at which point you would see an effective rate increase on your bill . Your state law may also be a factor in that in many cases , a certain minimum amount of loss must be met before a company may surcharge . If you are in a state where that minimum is $ 1,000 , then on a $ 600 loss , they would not surcharge . 