insurance rates don't automatically increase because you file a claim. many companies use what is called 'experience rating', which estimates the maximum amount of losses you might have had over the past few years based on your current premium. if you have no losses, or your losses are below the maximum, you get a credit. should they go over, they make a debit. there is some science to it, but so far we havent been able to figure it out. its not as simple as saying 'x divided by y = z, if a < z = -15%; if a = z = 1.00; if a > z = +15%.
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