Will my car or home insurance premium go up if I file a claim — even if it wasn't paid?

TDI says it depends on the type and number of claims, but home and auto premiums can go up if you file claims, and you could lose claim-free discounts. Auto companies can also raise premiums for accidents or traffic tickets [1].

In Texas, TDI says [1]: • Home and auto companies can't charge you more for claims they didn't pay, including claims denied because the policy doesn't cover the damage, or for calling to ask questions about your policy or the claims process. • Home companies also can't charge you more for claims for damage from natural causes, including weather. • Home companies also can't charge you more for appliance-related water damage claims, if the repairs were inspected and certified. This water-damage rule does not apply if you have three or more claims in three years.

Most insurers check your claims history through a CLUE report; you can get a free copy each year at 866-312-8076 [1].

The TDI page does not say whether a not-at-fault auto accident can raise your premium; ask your insurer how it rates that accident.