Let me warn you guys about insurance claims. My daughter's boyfriend (unauthorized driver) totaled out my Honda Civic SI. And my wife touched a metal pole in the handicap lane at Walmart getting my rear bumper/fender. Recently someone stole my Explorer from my daughter and left it in my front yard with $2900 damage. An uninsured motorist pulled out in front of my wife from a fast food place and a hood and bumper cover had to be replaced.
These were all noted on a Lexus/Nexus accident report that insurance companies review from time to time. In this situation, Allstate didn't forgive anything and cancelled my insurance. I took my business to another insurance company and they doubled my rates. I pulled a Lexus/Nexus report and they had a couple of wrong entries on my report.
My homeowners' insurance was also bundled to the auto policies and it went up 30%.
While this may or may not have been the reason for the cancellation, the information provided is going to cost me between $5000-$10000 before 5 years' of info drops off the report.
In my case, we have 4 cars--two with full coverage and two with just liability coverage. The increase in premiums will keep me from replacing any vehicles like my 16 year old pickup truck in the future.
Everyone needs to watch their Lexus/Nexus report from time to time. Like a FICO score, you can request the info online for free once per year. you have the right to rebuttal under the Fair Credit Reporting Act and you have the right to make comments.