With regard to claims I find this to be true with CSAA as well.   

-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf
Of jimt
Sent: Monday, August 08, 2005 9:39 AM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: impact of claims on insurance prices (was RE: serious
vanagon

Back when I got rear ended and was having severe difficulties with the
"other" insurance company I queried my state farm agent.  He advised me
to tough it out as long as possible before filing a claim through my
company against the other one.  Part of this was the problem of state
fault and no fault laws that had just changed.  Policies and the way
they were written had changed as well to comply with our new (at that
time) state laws on insurance and fault.  Many years ago I did a short
stint in insurance with Met.  The training class we go on auto writing
and claims was very eye opening.  The laws of your state have more to do
with the insurance products than any other criteria point.  For example
in some states in order to comply with the procedures on speediness of a
claim they jack up rates to cover the extra losses that will be incurred
because of inability to investigate the shady ones until after payouts
have been made and are basically unrecoverable.
Here in this state state farm basically does, one no fault in a "period"
is ignored. A second gets examined, and a third will cost you your
discounts or a rate increase. A fourth claim will lead to a higher rate.

Jimt

On 8/8/05 8:17 AM, "Woten, Rodney" <rodney.woten@LENNOXIND.COM> wrote:

> I have to concur with Joy.  I was told exactly the same thing by my 
> agent for a similar "trifecta" I've experienced.  I have State Farm & 
> live in Iowa.  I ended up not claiming the third mishap, even though I

> was not at fault for any of them.
>
> Rod Woten
> '87 Westy
> Des Moines, IA
>