Making too many claims on your car insurance may lead to higher auto insurance quotes in the future. For anyone who has been worried about filing a claim on your insurance for fear of being put into some kind of blacklist database, you might have been right.

There are two such databases in use now and most insurance agencies report to one or both of them. Now, these were actually put into place because of people who abused the system in order to catch them. Reporting false auto insurance claims leads to higher rates for everyone, everywhere and these databases were aimed at catching and preventing fraud offenders.

In a report from one of the databases information such as your name, address and policy number might be found along with the type of loss reported and when. So, if you’ve had a number of insurance claims over the years, you may be at risk for higher rates or finding it hard to get insurance at all.