Does filing too many claims increase my auto insurance premiums
I was recently rear ended by somebody. I had stopped at a traffic light and the person behind me didn't stop in time and hit my van. The estimate to fix it is $700 however my agent tells me that it's not a good idea to file too many claims with my inurance company as that might increase my premiums. Is this true ? Even though it's not my fault and $500 will be paid by the other person's insurance company she is advising me to pay the $200 out of my pocket. The mechanic who gave me the estimate said he could file under minitort and my premiums won't go up. I have no idea whom to believe. I'm in Michigan.