Insurance companies that will insure after to claims on previous policies?

Any insurance company in Oregon can deny your request for car or home insurance based on claims made through previous policies with other companies. Typically, an insurance company only refuses to insure someone if that person has more claims in their most recent five year history than the number of claims the company considers the "average" for an Oregon resident. According to the Oregon Insurance Division, an insurance carrier will look at both the number and size of your past claims when considering you for new insurance.

Another important deciding factor when a company writes a new policy is your credit history. In Oregon, insurance companies are allowed to refuse services to drivers and homeowners based on a variety of factors including your credit scoring, which is also commonly known as the "insurance scoring." That said, the insurance company's agent must show that credit scoring was only one contributing factor in refusing your request to set up a new policy. The insurer can't refuse based on your credit history alone. Of course, if you have a bad credit history in combination with a history of a lot of past claims and/or large amount claims, then the insurer can refuse your request.

Something to keep in mind: The state of Oregon prevents insurance companies from raising premiums or refusing to renew an existing policy because of changes in a person's credit history. As a result, you could renew your existing policy, if applicable, through a current insurance company as long as the insurer has not cancelled it for some non-credit-related reason. If a company does agree to renew your policy, it can't raise your premiums based on your credit scoring alone. On the other hand, it can raise your rates based on your number and amount of claims. Any company that agrees to set up a new policy with you can also charge you higher rates for the same reason. In the case of auto insurance, another factor when considering a new policy is the driver's record. If the driver has a history of speeding, DUIs and other negative issues along with multiple claims, a company can refuse the driver's request for insurance coverage. For this reason, a lot of insurance companies look for "preferred risk" applicants who have never had more than one claim in five years.