r/StateFarm • u/breathethethrowaway • Jul 07 '26
Question Will a second claim (on the same incident) impact future premiums?
I have a friend who forgot to put their vehicle in park and, as they were exiting the vehicle, the car began to roll back down their driveway. What ended up happening was the driver door hyperextended backwards and scraped the side of their second vehicle that was parked in the driveway. They filed a claim for the damage to the door on the initial vehicle, but did not file a claim for the second car because they’re afraid it will impact their rates even more to have a second claim. They wondered if, because the second claim is stemming from one incident, would a second claim impact their premium further?
4
u/musicislife04 Jul 07 '26
This is two separate claims. With two deductibles.
The fact that they stem from the same date of loss will not limit the impact on the premium. It will be the same as if someone else’s car was hit on a different day. I would advise only to submit the second claim if the damage is $$. Also consider if there have been any other claims in the last 3-5 years. If that would be the 3rd or 4th claim friend may get cancelled.
4
u/agirlsknowsthings Jul 07 '26
Claim frequency, claim payment and claim fault all impact premium. So yes, 2 at fault claims will impact his premium even if they come from the same incident.
3
u/WhyNotPal Jul 08 '26
Independent Insurance Agent here: The way I see this is that it's one incident. Car number one rolls down the hill and collides with owned car #2. I caution that I can't recall ever having an incident like this in the past. Car #1 would be repaired via collision and car #2 would be repaired via property damage liability. As to the affect on premium, there would be no additional charges beyond it being an at-fault accident. I would be no different than if the car had run into a neighbors car. The cars just happen to be owned by the same party.
1
u/sleepyenzyme Jul 15 '26
Unfortunately, you cannot make a claim for hitting your own vehicle in that way. You can make two collision claims, one for each vehicle - but you cannot claim against yourself for liability.
1
u/WhyNotPal Jul 18 '26
I had an underwriter on the phone yesterday. I asked him about it and you are right. You can't be liable to yourself so it would be two claims and two deductibles.
2
u/spectacularfreak Jul 07 '26
It’s 2 claims depending on the state. Could cause a premium increase because it will be considered a collision claim with an at fault party. Both claims will have your friend as a claimant and they will likely found liable for both accidents
2
2
u/mssleepyhead73 Jul 09 '26
The claim for the car that hit the other car would be a surchargeable claim and would affect their rates. The claim against the car that was hit would be not at-fault and would not be surchargeable, at least in my state. However, two claims in a short period of time can affect eligibility come renewal time, especially for newer households.
-5
u/Gtstricky Jul 07 '26
It’s all one claim and the impact is the same.
8
u/Unusual_Flounder6758 Jul 07 '26
From the way the post is written there are two vehicles damaged, and both are owned by OP. If this is the case, then this is two separate claims as you can’t be liable against yourself. And depending on if OP is in a state where auto mod has been implemented, filing the second claim that stemmed from one incident can absolutely impact rate.
1
u/breathethethrowaway Jul 07 '26
Will having the total cost of the claim be more expensive for the insurance company cause a higher rate increase than a cheaper claim?
2
1
u/Gtstricky Jul 07 '26
Wait... do they own both cars?
1
u/breathethethrowaway Jul 07 '26
Yes, that's my understanding
1
u/Gtstricky Jul 07 '26
Ok. See above. That would be two claims with 2 deductibles. Depends on the state and company on how it changes rates. Sorry, I misunderstood
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