Quote:
Originally Posted by sphelps
Vandalism is covered under comprehensive so depends on your policy but typically it carries a lower deductible and won't effect premiums.
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I used to think this, but my next-door-neighbour (who works for a large insurance company) has advised me that this really isn't the case.
She advised me that comprehensive claims may give the insured a higher "risk factor." The higher risk factor will increase the premiums. So, while the comprehensive claim itself will not raise the premiums, the elevated risk factor as a result of the comprehensive claim may. She said that this is especially true of more than one or repeated comprehensive claims.