Actually, it's very unlikely that any type of car insurance would be canceled after you file a single claim. However, filing a claim could increase your premium on certain types of car insurance.

For example, your general car insurance premium will almost certainly increase after an accident, especially if you're at fault. The reason for this is simple: statistical evidence indicates that people who have had accidents in the past are more likely to have accidents again in the future. This means the insurance company could see another claim from you someday, so there is a logical reason to charge you more for insurance coverage. Some states don't allow insurers to raise rates after a single not-at-fault accident, however.

The big question is how much your car insurance premium will increase. This is more difficult to anticipate, because insurance companies can use different formulas to calculate car insurance rate increases. In most cases, your car insurance policy will not be canceled unless you have a certain number of at-fault accidents within a given period, e.g., two or three in one year. It pays to drive carefully!