No rate increases due to filing a claim, I pay the same as everyone else for the coverage I currently carry. Like any insurance, they do keep records of what has been paid out, so yes the claim did affect the lifetime maximum (if it did not affect the limit, then what would be the purpose of having the limit in the first place?).Originally Posted by littleleemur
It's funny, but I never really thought much about those lifetime maximums that all policies carry (who could ever go through a million dollars worth of medical treatment over the span of their lifetime?) until I saw the first hospital bill from my big accident of 10 years ago; at the two month mark of my hospitalization (spent 4 months in traction) the bill was already beyond the $300K mark. Since that time, I now look a bit closer at the maximum lifetime payouts.
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