Will Claiming Hail Damage Increase My Car Insurance?

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   Samuel Smith

   Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina

   There are two parts to your question. For example, each year that I go "claim free" I receive a "refund check" back from my insurance company. Let's assume that check averages $600 a year and I have "claim free" for ten years- that means the insurance company has paid me $6000. Do you include that consideration into the question of "should I file a claim? In order to have "hail damage" covered you must have comprehensive coverage, or, to make it easy to understand if you only have liability coverage yuo forget filing that claim

   Answered on November 24, 2013

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