Liability claims result in increases in premium. Insurance companies try to resist raising rates based on comprehensive claims. This is not to say they won't. But it also makes a difference if your claim is rooted in something that is your fault such as you hitting a curb or running over a sign. A blowout due to manufacturer defect, or a collision with a road hazard is unavoidable as is a hail storm, and is not likely to raise your rate.
But people run their finances the way they see fit. I just think it is very expensive insurance policy that is not collected on. The article I read indicates that 3 comprehensive claims in 3 years MIGHT result in an increase in premium or cancellation. A brief conversation with your agent will answer these questions. I have talked to my agent prior to talking to claims just to avoid filing a claim for which I would not be successful. I usually tell him what happened and ask what he knows about similar scenarios. If I'm satisfied that I can file a successful claim then I proceed. Do not expect your agent to talk about anything but scenarios. If you approach him about your specific case he will tell you that he cannot talk specifically about your claim.
I was surprised that my insurance company waved my deductible on that claim, it was totally unexpected. When I get some time, I will look at my policy to see how it came about. I dont care how good your insurance co is, they will never pay anything they are not required to pay for by your contract. They do not give gifts that is for sure.