Insurers typically review claims over a period of several years. So, whether you filed two insurance claims in six months or two claims in two years, you'll see that you have multiple car insurance claims. When you've had multiple claims, your rate may increase, even if you weren't at fault for the accident (depending on your state and your insurance company). While an insurer can't cancel your policy in the medium term if you've made several claims, it can choose not to renew it.
Discover ways to save on your commercial auto insurance. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them.
If you file multiple claims over a short period of time, the insurer may increase your rate or may choose not to renew your car insurance policy when you reach the end of your term. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Whether you have two car accidents in one day, two car accidents in three months, or two accidents spread out two and a half years apart, your insurer can look at them the same way. Keep in mind that car accident investigations can take months to complete if there are serious injuries, multiple drivers and cars involved, and if it is unknown who was at fault.
The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. The insurance company generally has approximately 30 days to investigate your car insurance claim, although the number of days varies by state.
By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being.