An note about claims histories: When I worked briefly for an UK-based insurance company, I realized they had a strange policy: non-fault claims raise your prem

An note about claims histories: When I worked briefly for an UK-based insurance company, I realized they had a strange policy: non-fault claims raise your premium more than at-fault claims. Why? Because statistically, they've found that people who get into a non-fault claim typically end up in a serious at-fault claim within the next two years. Creepy huh? If there is no API available for the US carriers, I'm very curious as to how internal information like this is being collected.