to raise your rates for filing a claim when you are not at fault. However, when you switch companies, that claim will show up on your record for 3 years and cost you more. I had Gieco insurance to 6 years, I got hit by a neighbor kid who had no insurance. The damage was $900. I paid $500 deductable and the insurance paid the balance. I changed companies 2 years later to Met life. That claim showed up and raised the premium $150 for six months than if I didn't file that claim. That premium extra will cost me about $700 or $800 over the next few years till I qualify for their discount. All because I filed a claim for $400.
