How Does an Accident Affect My Coverage?

What should I do after the crash?


In the excitement of the accident scene, many drivers feel the impulse to admit fault or apologize for what happened. No matter who is at fault, avoid admitting anything about the accident. You should focus on obtaining evidence by taking pictures of both vehicles and documenting the damages. Then take down the other driver’s contact information, license number, and policy information. If the other driver is aggressive, keep your distance and call the authorities. Write down their license plate number so that authorities can intervene and contact them if necessary.


How do I know if I am at fault?


Your car insurance company as well as the other driver’s will contact both parties involved and take statements as to what happened to the accident. The companies will decide from these statements who was at fault. If the matter does not have a decided conclusion, the companies will decide to divide the risk as well as the coverages that either party is responsible for. Depending on the policy, your car insurance should work to protect you and cover your damages. You will still be responsible for any deductibles and things not covered by your policy.


How will the accident affect my car insurance rate?


If you are found at fault for the car accident, your car insurance rate will most likely go up. Depending on how much damage was caused and how much the insurance company had to cover after your crash, you should expect your premium to stay increased for up to three years. If you are not involved in another crash, chances are these rates will start to lower in the span of the three years.


What can I do to avoid increased rates?


While accidents can happen at any time, you can avoid having your rates increased by purchasing accident forgiveness. This is an additional coverage on your existing policy you can purchase to protect your rates from increasing in the case of an accident.


If you believe you were found wrongfully at-fault, it is best to talk to a car accident attorney, especially if you were injured from a car accident. A personal injury lawyer can defend your case and get you the help you need. You may even be eligible for benefits. Contact an attorney today to find out how they can help you.



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