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Car Insurance After An Accident

31 Jan , 2020  

An accident can happen to anyone, at any time, and anywhere. Experts in the insurance industry say that drivers will get into at least one car accident every 18 years of life.

You may be a safe driver, but the chances are that you will still be involved in multiple accidents throughout your life. Since it’s a given that this will happen to most people, it is important that you know what to do in the event of an accident and what you can expect from your insurance company.

Insurance laws vary from state-to-state, so it is helpful to have an understanding of your state’s laws as well as your personal coverage.

After all, there is nothing worse than getting into an accident and not understanding how your insurance works.

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How Does Car Insurance Work When You Get Into An Accident?

Immediately after an accident occurs, it is recommended that you contact your insurer and provide them with pertinent information about the accident.

Also, contact the police and seek immediate medical attention (if necessary). Ensure that you exchange insurance information with the other driver(s) involved in case you need to file a claim with their provider.

Who covers the cost of damages and/or injuries will depend on your state’s laws, who is at fault, and your level of insurance coverage.

Can I Get Car Insurance After an Accident?

In short, yes. You can still get car insurance after an accident. Unfortunately, you can expect your premium to increase whether the accident was your fault or not.

Though it should be noted that your rates will be substantially raised in the event that the accident was your fault. It is estimated that your rates will rise more than 40% after an at-fault accident has occurred.

You can expect your insurance rates to increase by nearly $100 yearly if you are involved in a not-at-fault accident.

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How Long After A Car Accident Does it Affect Your Insurance?

The bad news is that a car accident will certainly affect your insurance rates. However, insurance companies usually only look at the last three to five years of your driving history when determining your rates.

Furthermore, at-fault accidents, tickets, and other roadway infractions will eventually fall off of your driving record.

The exact amount of time that an accident affects your insurance will depend on your insurance company as well as your overall driving history.

Will My Insurance Pay For My Injuries After an Accident?

Nearly half of all accidents result in injuries. When you are injured in an accident, it is normal to wonder how you will afford your medical bills.

If you live in a “no-fault” state, your car insurance policy will pay for all or some of your medical bills. If you do not carry Personal Injury Protection (PIP) insurance, then you will likely have to pay out of pocket and recoup your damages from the insurer of the at-fault driver.

Being fairly compensated for injuries after an accident is not an easy feat. It is recommended that you work with an experienced personal injury attorney to increase your likelihood of recouping damages. It is possible to file a claim and pursue damages on your own.

However, it is not recommended. Visit the website to learn more about what to do after an accident and how to get compensated for your injuries.

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James Dempsey is originally from mother Russia. He works as a freelance journalist for various publishing companies and devours anything tech and car related. He has been a long standing contributor to Team Carwitter and helps keep the site viable.