When you make an insurance claim against your Auto Insurance your Homeowner’s Insurance or any other policy for that matter, that claim history will stick with you for several years. Some carriers will look back 3-5 years and will surcharge your policy based upon claim history in that time. If you are surcharged $200 for 5 years, that’s $1000. And there’s no way to tell exactly what the surcharge will be.
The bottom line is that insurance isn’t designed to handle every little inconvenience that comes along. Rather, your insurance policies are intended to save you from financial ruin when ‘the big one’ happens. The best advice of all is to pay your premiums and hope that you never need your insurance in the first place.