There is no crime in you having a multiple insurance claim,
however you need to be wary about multiple insurance claims if it occurs
between a three year frames.
The frequency and type of claim you fill matters to
insurance companies, because, insurance companies look at your claim history
within a three year frame.
I want you to know if you file a multiple insurance claim either at a time or
at separate times within a three year period will greatly affect your insurance
premium.
In situations when your vehicle is damaged at two separate
times by two separate causes, your deductible will apply to each occurrence. The
only exception is during storm damage.
When you have two AT-FAULT claims by the same driver within a
time frame of three years, it could make your insurance claim to be nullify
by your insurer.
In the advent of A NOT-AT FAULT claim, such claim will
handle by the other party’s insurance policy.
Although by filling
a multiple comprehensive claims would not affect your insurance
monthly premium, but filing three or more comprehensive claims in three years
could make your premium go up.
In a nutshell, tackling one claim is a whole less of stress,
compare to when you’ve got multiple claims, you could really be making things worse with
lot of stress .
My best and honest advice for you is to deal with one claim at a time, as a
multiple claim has it’s own setbacks.
