If You Make 2 Claims in 6 Months on 2 Different Policies, What Happens?

The consequences of making multiple claims in a short period of time depend on the type of claims.

Anytime you file a claim with your insurance company, what happens to your insurance rates heavily depends on the type of claims you are filing. If you are filing multiple claims because your windshield keeps getting cracked or broke, you won’t see much, if anything, in the way of an increased premium.

However, if you have had 2 at-fault accidents within a 6 month period, be prepared for premium increases that are going to take your breath away.

As far as the question about the claims being on 2 different policies, again it depends on the claim. All claims are reported to your C.L.U.E. report and all insurance companies pull your C.L.U.E. report when you apply for insurance coverage with them. Not-at-fault accidents and windshield claims that are paid out by one insurance company are usually not recognized by other insurance companies when they determine your premium. An at-fault accident claim though, will be taken into account with any insurance company, regardless if they were with different companies.