Question by  kev8 (22)

If I get into a rear-end accident where's it automatically my fault, what does that do to my insurance rate?


Answer by  tamarawilhite (17883)

This accident will increase your auto insurance rate by several hundred dollars a year. This will last for several years, unless you have accident forgiveness under your insurance policy that is for a shorter duration. If you were intoxicated, the rate increase will be for several thousand dollars a year.


Answer by  Rubberchicken (819)

Depending on your previous loss history, driving record, and the total amount paid for the claims presented, your rate increase could vary. Further, your specific insurer could use differing rates, as well. Another factor to consider is the state in which you reside. Call your agent or underwriter after claim payouts to discuss your increase, if applicable.


Answer by  Roland27 (16334)

Unless you have accident forgiveness your insurance rate will go up. Anytime you are in an accident that is your fault the rate will climb higher and higher.


Answer by  flamiss22 (5081)

Not all insurance automatically raise your rate if you are in an accident even if it is your fault. Make sure your policy has accident forgiveness so you can keep your same rate.


Answer by  Latin4 (11170)

Once the accident is proven who's at fault, this information is sent to the Insurance Commission in your state. This will be a record that the insurance company will use when your policy comes up for renewal. They will get information from the Motor Vehicle Bureau. This information is gathered to determine if your rates will go up.

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