How can medical insurance rates go down?

Geico payed a claim of $2500 how much will my insurance rates go up next year?

• And if it will increase significantly can I refute that amount? The other guy insisted that insurance paid to fix his car (TWO LITTLE PAINT SCRATCHES NO WAY IT WAS THAT MUCH!) not let me pay it out of pocket so they went ahead and paid w/o telling me first.

• Answer:

  You are responsible to give a full report of the incident to your insurance company. After that your company does its investigation and makes its decision as to how to settle the claim. The premium increase to expect is 20-30% for each accident on those premiums that are rated. Also in many states the company can also charge the same surcharge for each moving motor vehicle violation you receive for three years.