1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Most carriers only count claims that are five years old or less. If your claim was more than five years ago then it will more than likely not affect your rate. Please remember that ever state has its own regulations and every carrier has its own risk tolerance. This of course can greatly affect your rates.
    Answered on June 12, 2013
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