Yes, that is typically how it works. The more claims you have the higher the rate you pay.
Yes and no. Insurance companies do not raise your rate because you filed a claim (this only applies to "Act of God" claims). Any claim related to weather like hail, wind, flood, tornado, etc. It's called a pooling effect, so if X# of people file a claim in your area everyone's rates go up whether you file a claim or not. Insurance companies do not raise your rate just because you filed a claim. Now, they can drop you for any reason they want, but are not likely to drop you because of an Act of God claim. If they drop you because you filed an Act of God claim, then you should definitely find a new insurance company.
Rates go up when the insurance company has to pay a claim. They might not go up if the claim is small.
It depends on how smoothly you want the insurance claim to go. Generally, insurance companies resist paying if there is no report to the police.
If you file a comprehensive claim with your company, they might hike your rate since you're essentially "billing" them for the damages.
One would or could go to various places. These places include the DMV, or the auto insurance company which distributes their auto insurance to claim an auto accident personal injury insurance claim.
It will vary based on the individual insurance company and their policy. You will loose any claim-free discount and the points for the accident will be added to rate the policy up. Usually it goes up 10-15 percent for the first claim.
Go for Insurance claim
Usually not. Most companies do not rate up for a claim. However, at this time it is very hard to get homeowners insurance at a good rate if you are cancelled by another company or if you have claims it is hard to move to another company. Insurance goes in cycles. For the past few years insurance companies have been loosing money on homeowners insurance so they have become much more careful with their underwriting. It is easier to get car insurance than home insurance. Most companies will not even write home insurance unless you also give them your auto insurance.
Yes, anytime you make a claim to YOUR insurance, it will go up. That's how they get their money back. If you don't submit a claim to them, then no. I do not necessarily agree with the answer above. What you did not indicate in your question was did the person at fault have insurance. If they did then even though you filed a claim and your carrier paid you, they would likely recover from the at fault person's insurance. In this circumstance you insurance should not go up.
It will not go against your insurance because a claim has not been filed only a police report.
Most homeowners insurance does not increase rates due to claims. However, claims do determine whether or not a company continues to renew your policy. Especially now, if you are cancelled it is much harder to get home insurance.