Will filing claims for acts of nature cause my car insurance premium to rise?

My car was damaged by a really bad hail storm. I know that's an "act of nature" and not my fault. If I file a claim with my car insurance company for the repairs, will my rates go up?

Answer
“Filing claims for acts of nature may cause your premiums to increase, but it depends on a couple factors.
You will likely see your premiums increase if the claim for the hail damage is over $2,000 or if you have multiple claims on your driving history, especially in a short period of time.
Before thinking about rates, you want to make sure you have comprehensive car insurance. Comprehensive car insurance includes acts of nature (or acts of god) like hail. Without this coverage, you likely won’t be covered.
If you are worried about the effects of filing claims on your insurance, check out Jerry. Jerry is a free app that compares quotes from 50 of the top providers and delivers the best deals to your phone in minutes. Filing claims, especially for acts of nature, don’t always have to break the bank.
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Alexah Grinnell
Answered on Aug 06, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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