How Does a Car Accident Affect Insurance Rates?

How Does a Car Accident Affect Insurance Rates?

You may see an increase in your insurance premium after a car accident. This is because your insurance provider would see you as a higher risk to insure, even if you didn’t cause the collision. 

Insurance Rates Vary By Company and Case

Fortunately, many states have insurance regulations that do not allow insurance companies to raise your rates on the following conditions:

  • You were not at fault for the accident
  • File a claim under your comprehensive coverage

However, in some states, you may see an insurance surcharge even if you weren’t necessarily found to be at fault. For example, if a piece of debris falls from a vehicle accelerating past you and it hits you and damages your car, you may not be surcharged – unless you drove over it and therefore inflicted the damage. In that case, you may be surcharged due to driving over it. 

Be Wary Of Your Insurance Adjuster

Ultimately, whether you face increased insurance premiums depends on who was at fault in your accident, the location of your accident, and your insurance company. Some insurance companies raise insurance rates and impose surcharges more than others, so it is essential to be mindful of what insurance company you choose. To prevent an unnecessary surcharge, you must be extra careful with your communication with your insurance representative. They are trained to pay out the lowest settlement possible for your claim, so they will likely manipulate what you say against you.

Our Team of Kansas City Car Accident Attorneys is Here For You

The initial impact of a car accident is extremely jarring, and so are the events that may follow. At The Goss Law Firm, we understand all of the hurdles and challenges of being in a car accident. That is why we will take the time to get to know you and listen to your story to help you get through this trying time.

If you or someone close to you has faced injuries in a car accident, you are not alone, and help is available. Let the attorneys at The Goss Law Firm guide you through the process every step of the way. Contact us by submitting your information on our online contact form or call our office toll-free at 816-888-5000 for a free legal consultation today.