It's my understanding that when a used car is sold, the seller must disclose to the possible buyer, any insurance claims of $3000. or more that were filed for the vehicle previously. When buying my current car, this cost me between $2500. and $3000. in the trade-in-value as the seller of the used car has more trouble getting someone to buy it after they have made this disclosure.
I had claims of over $5000 for a hail claim when I wasn't near the car and the other one was over $8000. when a truck rolled down a slope and hit my car when it was parked in front of my house and I was in the house. This one was particularly galling as the truck co. paid the damage costs directly and didn't put it through their insurance co. Sometimes we just get some bad luck and can't get compensated for it. Bill Baldwin