How much insurance company will raise my rate after a car accident?
Find answers to your legal question.
How much insurance company will raise my rate after a car accident?
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My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.
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Susan K
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There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined
$ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount.
When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages. |
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E.B.
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The rate change for your renewal will be based on the type of accident (At Fault or Not At Fault) and the amount of money your insurance company paid out for repairs to the other party's vehicle. If there was an overall rate increase for your state/area that can also affect you. There's not a way to officially determine your renewal premium until closer to your renewal date. It should generate at least 30 days prior and you can speak with your insurance company about it at that time. |
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Michael S
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If a claim is made, premium will rise next year. |
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