Will using insurance after an accident make my rates go up?

Whether or not your car insurance rate goes up after your accident is dependent on several factors. Some of those factors include:

  • The severity of your accident – for instance there is a big difference between a tree branch falling on the hood of your car and a major at-fault collisions.
  • Your driving history – a minor fender bender will most likely not impact your insurance rate. But your rates could go up if the insurance company believed you to be a liability.
  • Who is to blame – if you are found to be at fault for an accident, and if you have made other claims for accidents, your monthly insurance premium may go up.
  • What is in your policy – many insurance companies are getting more and more competitive with their rates and are offering something that is called “”accident forgiveness” for smaller claims. Accident forgiveness allows you to file one or more small claims without it affecting your insurance rates.

For an in-depth look at all of these factors, please see our related article below on the myths and facts on claim rates.

related: Myths and Facts on Insurance Claim Rates