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Home insurance score drastically decreases after car insurance claim?
Credit risk and insurance risk are highly correlated for a single legal party.  Trouble with one could indicate trouble with another. Any increase in credit risk such as new borrowing will be perceived to be an increased likelihood of insurance risk, manifested as a fraudulent or subconsciously induced claim.  Any claim of insurance will be perceived to be an increased likelihood of default, manifested as a default, voluntary or not. To a creditor/insurer, only the law applies; therefore, private arrangements between the borrower/insured and third parties do not factor because the creditor/insurer has no hope of recourse against such third parties in most places around the world. Regardless of whether there is a price ceiling on compensation for damages to assets, limiting an insurers costs, if a risk is realized then it can be presumed through sequential sampling as well as other reliable statistical techniques that future risk has risen.  The aforementioned risk dominoes subsequently fall. Generally speaking, the lower one's financial variance, the lower the financial costs.  In other words, uncertainty can be mostly quantified with variance and other mathematical moments as well.  Any uncertainty is a cost to a producer thus a cost to the consumer.  A consumer who is perfectly predictable with good outcomes will pay much lower costs on average than not, so one who keeps a tight financial ship, not exposing oneself to financial risks and better yet not realizing financial risks, will see less financial variance, thus will enjoy lower costs to financing, which includes insuring.