{"id":2114,"date":"2019-10-21T00:00:00","date_gmt":"2019-10-21T00:00:00","guid":{"rendered":"https:\/\/www.awjlaw.com\/2019\/10\/21\/how-car-accidents-affect-insurance-rates\/"},"modified":"2024-08-29T21:12:02","modified_gmt":"2024-08-29T21:12:02","slug":"how-car-accidents-affect-insurance-rates","status":"publish","type":"page","link":"https:\/\/www.awjlaw.com\/faqs\/how-car-accidents-affect-insurance-rates\/","title":{"rendered":"How Car Accidents Affect Insurance Rates"},"content":{"rendered":"<p>There are a number of factors that dictate your insurance rates, including your age, driving record, gender, marital status, how long you\u2019ve been licensed, where you live, what type of car you drive, your credit score, and so on. Of course, one of the biggest factors is a history of car accidents.<\/p>\n<p>If you\u2019re like a lot of people, you assume that if you\u2019re in a <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/\" rel=\"noopener noreferrer\">car accident<\/a>, your insurance rates will automatically go up, but that\u2019s not necessarily the case. There are variables that influence whether an insurance company decides to keep a policyholder\u2019s rate the same or increase the premium.<\/p>\n<p><strong>Before increasing a policyholder\u2019s premium, the insurance company will want to know: <\/strong><\/p>\n<ul>\n<li>Were you responsible for the accident?<\/li>\n<li>How serious was the accident?<\/li>\n<li>Was anyone injured or killed?<\/li>\n<li>What is the extent of the <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/property-damage\/\" rel=\"noopener noreferrer\">property<\/a> damage?<\/li>\n<li>Do you have a history of at-fault accidents?<\/li>\n<li>Do you have a history of moving violations?<\/li>\n<li>Do you have a good driving history until now?<\/li>\n<\/ul>\n<h2 align=\"center\">When Do Rates Increase After a Crash?<\/h2>\n<p>If you do cause an accident, your insurance rates may or may not go up. A rate increase depends on the above factors, but a major at-fault accident usually does result in a rate increase. If the insurance company decides to increase your rates because of your most recent claim, it won\u2019t likely increase immediately. Instead, it should increase <em>when <\/em>it comes time to renew your policy. Also, if you previously enjoyed a safe driving discount, you\u2019ll lose the discount, and by losing that discount, your rates will increase accordingly.<\/p>\n<h2 align=\"center\">Rates Don\u2019t Go Up After Every Crash<\/h2>\n<p>If a driver has an excellent driving record and they get into a minor fender bender, their rates may not increase at all. Even if you were <a href=\"https:\/\/www.awjlaw.com\/marietta\/car-accident-lawyer\/liability\/\" rel=\"noopener noreferrer\">at-fault<\/a>, your rates may not go up after a minor accident, especially if you have a good driving record or accident forgiveness, which rewards policyholders for safe driving and looks at their driving record as a whole; it doesn\u2019t necessarily penalize them for the most recent accident.<\/p>\n<p align=\"center\"><em>We hope you found this information helpful. To file a car accident claim, <\/em><a href=\"https:\/\/www.awjlaw.com\/contact-us\/\" rel=\"noopener noreferrer\"><em>contact Jones &amp; Swanson<\/em><\/a><em>\u00a0for a free consultation. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How do car accidents affect auto insurance rates? Head on over to our blog to learn more!<\/p>\n","protected":false},"author":2,"featured_media":2115,"parent":801,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[460],"class_list":{"0":"post-2114","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"hc_faqs-car-accident","7":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Car Accidents Affect Insurance Rates | Jones &amp; Swanson<\/title>\n<meta name=\"description\" content=\"How Car Accidents Affect Insurance Rates: Jones &amp; Swanson, with 45+ years of experience and millions recovered. 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