I had one claim probably 7+ years ago after a chunk of metal fell off a truck and fucked up my car tire and bumper. I was not at fault. My partner has zero. We’re both in our 30s and have been driving since we were young, but we had been car-less for a few years prior to buying this one.

I’ve had to deal with a lot of profiling bullshit before but nothing that affects insurance. Nothing stuck either, just a lot of going to courts to clear my name.

But other than that, idk. Parking tickets, maybe?