I've never had a claim so I don't know the answer. If you make a comp claim, does your insurance automatically go up? For example, say your car got dinged, and it costs $375 to repair it. If your deductible is $200, should you claim it? Or eat the $175 extra because your rates may go up. Common sense says that you shouldn't be charged for things beyond your control, but we all know people in the insurance biz don't base their charges on common sense.