Insurance Claims

If I put in a claim for my broken auto glass, won't my rates go up?

Most windshields break from stones thrown off the highway by another car's tires. Because these breaks are unrelated to your driving skills, they fall under comprehensive insurance. Some insurance companies refer to comprehensive insurance as "act of nature" or "act of God" incidents because they are not the driver's fault.

Other examples of comprehensive claims are a tree falling on a car or vandalism. A very small portion of your insurance bill is for comprehensive loss risk.

The vast majority of insurance companies will tell you over the phone that your rates won't go up for putting in a comprehensive claim.