All drivers, even the most experienced, can have bad luck on the road. Whether you hit a speed bump or other vehicle, an accident, by definition, is never intentional. But unintentional does not mean "not responsible." So that in some circumstances collisions may increase your insurance premium.
It takes a responsible
If you are responsible
Your insurance company can help you
It takes a responsible :
In the eyes of insurance companies, there is always a manager at an automobile accident, even if there is nothing you could have done to prevent it and if the officer determines that you have committed no crime.
If you are the only driver involved in the accident, you will automatically charge when you make your claim with your insurance company.
If you are involved in a collision with another car, the liability issue is complicated. If you call a policeman, he can usually determine who is responsible according to the Highway Code in force locally. Sometimes the driver's responsibility is clear.
If you hit the back of a car, you are responsible.
If changing lanes and have a side collision with a car that was in your blind spot, you are responsible.
In some cases, it will take the police or the insurer makes an investigation to determine who is actually responsible for the accident.
Anyway, if you are liable for an accident, it may increase your car insurance premium.
If you are responsible :
If you have an at-fault accident, it will remain on your file 6 to 10 years. This means that your insurance premium may increase and therefore you may have to pay for this accident for years, in fact until it is deleted from your file; your premium will begin to decline.
The accident could be forgiven (but not necessarily "forgotten")
Most insurance companies offer a "forgiveness clause" to their clients.
Forgiven - If you are insured with the same company for some time and that your driving record is impeccable (you have had no accidents or tickets), then you may be eligible for the clause that requires your first at-fault accident be "forgiven." This means that your premium would increase only slightly.
But not forgotten - If you have another accident, get ready to pay the price.
Your insurance company can help you :
Even if an accident causes an increase in your premium, your insurance company can help you to ensure that it remains affordable. Inquire about discounts you may qualify and clever ways to reduce your premium.
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