What happens if a driver has numerous claims according to the Own Damage Optional Coverage policy?

When a driver has numerous claims, it typically indicates a higher risk profile to the insurer. As a result, the insurer might adjust the terms of the policy to reflect this increased risk. A likely response to a history of multiple claims is to impose higher deductibles. This means that in the event of a future claim, the driver would be responsible for a larger portion of the costs before the insurance coverage kicks in. This adjustment serves multiple purposes: it encourages better driving behavior by making the insured more financially responsible in the event of a claim, and it helps the insurer mitigate the risks and potential financial losses associated with frequent claims.

The other options, such as selecting lower deductibles or being offered more coverage options, are not consistent with the typical practices of insurers when dealing with high-frequency claimants. Denying coverage entirely, while possible in some cases, is generally a more extreme measure that would depend on specific circumstances rather than simply having numerous claims.