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Ahh I thought I just saw something on this.. our policy is at renewal time so I actually looked through it. If I'm reading this right, for Allstate, a "chargeable" accident involving only property damage (it's different if there are inuries or death) is one in which causes at least $1,050 in property damage above the amount of the deductible. However, it also says they can raise your premium for a chargeable accident even if no claim results from it.
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