Pennsylvania Drivers: How will an Auto Claim Affect Your Insurance Premium?

Wednesday, September 30, 2015  |  Mike Greiner, Personal Lines Risk Manager
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In Pennsylvania, the threshold for an insurance company to surcharge you for an auto claim is $1550. For any claim payout under this amount, your policy can not be surcharged. But does this mean that your premium will not be affected? Not really. If you try to rewrite your policy or try to switch carriers, the claim can keep you from qualifying for the best rating tiers and prevent you from qualifying for a lower cost on your coverage. In addition, if you file another claim within three years of the accident, your insurance company has the right to cancel your policy. The next time you have a claim that is under the $1550 threshold, you may want to consider paying this yourself. Just because you have insurance does not mean you always have to use it. For additional tips on reducing your costs contact us at

Read 6908 times Last modified on Monday, 13 February 2017 14:20


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