If I make a claim using my company car insurance, does that affect my personal insurance reputation?

May 18, 2017 · Posted in FAQ 
car insurance
Mr. E asked:

I recently got into a little fender bender using my company car. The other driver wasn’t present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I’m worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.
Got an expert response. Expert Response:
Thanks for the note. Many insurance companies have different guidlines and underwriting criteria. This claim should have been on your commercial carrier (through work) and not your personal auto insurance policy. Commercial claims are usually not carried over to your personal insurance policy. You will have to check with your current carrier to see what their policy is.

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5 Responses to “If I make a claim using my company car insurance, does that affect my personal insurance reputation?”

  1. hudsongray on July 13th, 2009 6:49 am

    It may depend on the state you live in. Phone your insurance agent, or ANY insurance agent with the company you’re currently with and just pose them that question. If you ask an agent who doesn’t know you, you’ll get an answer where they won’t actually look at your policy so you won’t jinx it.

  2. Crystal J on July 16th, 2009 9:12 am

    I would say probably not but it really depends on your driving record.

  3. Thomas E on July 18th, 2009 8:58 pm

    I don’t think it would. the claim is NOT against your personal insurance so they don’t even find out about it probably (how would they?). Now your company that insures the car they provide to you – their rates may go UP. That may not make your boss happy!

  4. mbrcatz on July 20th, 2009 9:06 am

    Yes, any surcharge will follow you to your personal insurance.

  5. Michael S on July 22nd, 2009 5:03 pm

    You MUST report the claim when next insuring your own car. Your policy will be void if you fail to do so.

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