How Can My Company Insurance Company Raise My Rates Because Of One Claim? 
I can not vouch for fairness as that is a matter of perception . Every carrier must file its rates with the insurance commissioner of the states that they operate in and receive approval before those rates are implemented . Your premium rate for your coverage involves many factors , one of them being claims . If you are concerned that you are now paying too much for your coverage you can always shop your coverage with other carriers . I am sorry if this seems a little callus , but typically you will pay now or you will pay later . If you shop your coverage exclusively on price then the chances of this type of thing happening to you increase . 