Will your premium go up after you file a claim? This is a question that a lot of people tend to ask over the course of a year because so many are worried about claiming due to the belief that they are then going to be punished for doing so over the next few years by the way of increases in their premiums. However, in actual fact it all depends on the circumstances as will now be explained because it is not as straightforward as you may initially think.
Basically, a premium is only going to increase after you file a claim if you are the one that has caused the damage in the first place and that this has either been proven beyond all doubt or if there has been some shared responsibility for the incident. The reason why this is the case is that insurance companies will punish you for being careless even if the blame is split down the middle and the only way in which they can punish you is by putting the claims up as you have cost them money and they simply hate when this happens.
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