Filing a car insurance claim can potentially lead to an increase in insurance rates. Insurance companies may raise your rates if you file a claim, especially if the claim is for an at-fault accident. This is because insurance companies consider claim history as a factor in determining the risk associated with insuring a particular individual. Additionally, the amount of the claim and the circumstances surrounding the claim can also influence whether rates will increase. It's important to note that not all claims will result in increased rates, and the specific impact can vary depending on the insurance company and the policyholder's individual circumstances. Some insurance policies also include accident forgiveness or claim-free discounts, which can mitigate the impact of a single claim. It's advisable to review your policy and consider the potential long-term financial implications before deciding whether to file a claim.