For a chip repair? Sad insurance companies do this. I’ve never heard of raising rates over a chip repair though, especially if you have a deductible? Who are you insured with?Same. I had insurance cover a chip repair (not replacement) 3 years ago. Insurance rose quite a bit, and every time I do a quote from other carriers they note I had a claim in 2022 and thus raise initial quote further. Way more expensive to use insurance in the end to fill chip.