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Vehicle Accident:
Frequently Asked Questions
Q: If I've been in a car wreck will my insurance go up?
A: If the incident is judged to be your fault, then yes. If the incident is not believed to be your fault, then it depends on several factors. If you file several claims that were not your fault within a year's time, the insurance rate will probably go up, because they will start to see you as a reckless driver. Insurance rates are lowest for experienced motorists who practice defensive driving and who have few if any accidents on record. If you have just one incident for a number of years, and it is not your fault, then the insurance rate should remain unaffected.
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