Most insurance policies don't rate the policyholder for Comp claims as the "driver"/owner is not at fault - i.e. vandalism, hail damage, etc...at least that has always been how my policies have read and my experience when I was in the Property & Casualty Insurance business..I'm sure that today some of the policies out there that are not the same, especially when you have the gimmicks of money back for no claims, vanishing deductibles etc... I'm sure these policies are much more restrictive.

__________________