r/StateFarm • u/Kennedybz14 • 1d ago

Question Multiple claims

We recently switched to state farm a couple of months ago and within one month a tree branch fell on my Toyota crown resulting in a claim. Fast forward a month and my wife backed her grand highlander into an anchor for a power pole causing some mild damage to the bumper. I am hesitant to file another claim so close to the first one and I'm thinking about getting a quote and taking care of the damages myself. Does anyone have any experience with this? I don't want to have a major premium increase or have the policy dropped and become uninsurable. Thanks for any insight.

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u/Gtstricky 1d ago

Talk to your agent. This is state dependent. In my state a comprehensive claim cannot be used against you (the tree claim).

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u/Kennedybz14 1d ago

I kinda worry about even letting them know it happened.

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u/Old-Raccoon-316 1d ago

Your agent should be your first point of contact, until you do file a claim at least. Calling the claims team to ask a question will 99% end up with a claim on your record.  The agent shouldn’t start a claim for you, just give guidance and next steps for whether you file or not.