Do Multiple Car Insurance Claims Impact Your Car Insurance in Texas?

Do Multiple Car Insurance Claims Impact Your Car Insurance in Texas?

Key Takeaways

  • Filing two or more claims within a certain time period may lead to higher rates or non-renewal
  • Separate incidents must be filed as separate claims, even if they happen close together
  • Not-at-fault claims (weather, theft, vandalism) can still impact your premium
  • Insurance companies typically review claims over a multi-year period

What Happens If You Have Multiple Car Insurance Claims?

Every time you file a claim, it’s recorded on your motor vehicle and insurance history. In Texas, insurers usually look at claims over the past three to five years when determining risk.

If you have more than one incident, each event must be filed as its own claim.

Example: You back into a pole in a parking lot, then a few days later a rock cracks your windshield on the highway. Even though these incidents happened close together, they are considered separate claims and will be reviewed individually.

While each claim is handled on its own, insurance companies also look at the pattern. Multiple claims in a short timeframe may signal higher risk, which can lead to:

  • A rate increase
  • Loss of discounts
  • A decision not to renew your policy at the end of the term

Will Multiple Claims Raise Your Insurance Rate in Texas?

Possibly, and sometimes even one claim can affect your premium.

Rate changes depend on:

  • The type of claim (collision vs. comprehensive)
  • How many claims you’ve filed
  • How recently the claims occurred
  • Your overall driving and insurance history

Filing several claims close together can increase the likelihood of a rate hike or non-renewal when your policy renews.

Can an Insurance Company Cancel or Non-Renew Your Policy?

In Texas, insurance companies generally can choose not to renew a policy as long as the decision isn’t discriminatory. Multiple claims may lead an insurer to decide that they no longer want to carry the risk.

If that happens, you’re still free to shop for coverage elsewhere, but keep in mind that other insurers will also see your claims history and may price your policy accordingly.

What If You Weren’t at Fault?

Claims that are out of your control, such as:

  • Hail or storm damage
  • Theft or vandalism
  • Being hit by another driver

can still impact your rate depending on the insurer and circumstances. Even not-at-fault accidents may be factored into future pricing.

How to Reduce the Risk of Filing Claims

While not every situation is avoidable, you can lower your risk by:

  • Practicing defensive driving
  • Parking in a garage or secure area when possible
  • Considering whether small repairs are worth filing a claim
  • Reviewing deductibles to make sure they make sense for your situation

Final Thoughts

Insurance is designed to protect you when you need it, but understanding how claims affect your policy helps you make smarter decisions. If you’re unsure whether filing a claim is the best move, talking with a local Texas insurance agent can help you weigh your options before taking action.

Looking for a better rate and better service? Contact us today and get a local agent who cares.

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* Disclaimer: The information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, conditions, and exclusions vary based on individual circumstances and the policies issued. For specific details about your coverage, please refer to your policy documents or consult with a licensed insurance agent. Insurance Select is not responsible for any errors or omissions in the information provided or any actions taken based on it.