Does Car Insurance Go Up After A Claim? 
A claim can affect the renewal pricing of an auto policy . However , the claim does not always trigger a change in premium . The decision to increase the premium is based upon the cost to the company for the claim . This is not an attempt to recoup what was paid out . Rather it is recognition that this car may be more susceptible to claims than a standard car , so there are points assigned to the car that translate into higher premiums for a few years . 