ScamWrong, I filed a claim, got $4500 worth of damage caused BY ME completely covered, and some Lexus SUV with $200 of damage fixed, my rates stayed the same
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In all seriousness most of the insurance companies I'm aware of punish you for actually using your insurance. The amount of money I pay per year is far more than the money they ever have to spend on me. Yet I'm required by law to get insurance if I want to drive my car.