Real ChatGPT answer · index seedEdQ16b9e5ugcompleteInsurance · auto insurancebrand

What is the average rate increase drivers experience with State Farm after filing a hit and run claim where the deductible was waived?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What is the average rate increase drivers experience with State Farm after filing a hit and run claim where the deductible was waived?
2 real searches · 1 real-search pass
State Farm hit and run claim rate increase deductible waived not at fault accident premium increase average Virginia insuranceGoogle ↗
OBSERVEDConsequence
State Farm surcharge not at fault hit and run claim uninsured motorist property damage rate increase claims surcharge policyGoogle ↗
OBSERVEDConsequence

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequence100%ReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
State Farm hit and run claim rate increase deductible waived not at fault accident premium increase average Virginia insurance Google ↗
State Farm surcharge not at fault hit and run claim uninsured motorist property damage rate increase claims surcharge policy Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
State Farm hit and run claim rate increase deductible waived not at fault accident premium increase average Virginia insurance
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
State Farm surcharge not at fault hit and run claim uninsured motorist property damage rate increase claims surcharge policy
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1