What is a claims history and how does it affect my rates?

Your claims history is a record of insurance claims you have filed, tracked through a database called the Comprehensive Loss Underwriting Exchange (CLUE). Insurers use this history to assess your risk. Filing one or two claims may cause a modest rate increase. Three or more claims within a few years can lead to significantly higher premiums or even non-renewal. Some insurers offer claims-free discounts. Consider paying for smaller losses out of pocket to avoid impacting your claims history.