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Claims Protection Claims protection keeps your insurance rate from increasing on renewal, after an at-fault accident. The accident will, however, be recorded on your driver claims history. The claims protection is removed after a claim. A second accident would not have this protection. Further accidents or a combination of claims and tickets for driving infractions could result in the non-renewal of your policy. In some cases, claims protection will entitle the policyholder to an extra at-fault claim before the insurer will refuse to renew the policy. If you qualify, buy it. It is like buying insurance to keep your insurance rate low. The cost is usually around $35 to $50 dollars a year. But before you do that, make sure you’re with the insurance company that has the best rate. Otherwise, all you’ll be doing is paying more money to protect a lousy rate.
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