Accidents and car insurance rates

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Accidents and car insurance rates
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Car Insurance

• Car insurance protects against the damages caused
  by  accidents. Car insurance rates depend on the
  driving record of the driver and other factors.
  Car insurance providers check the driving history
  of the driver while deciding the car insurance
  premiums.

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Car insurance rates after an accident if you are
not at fault

• Few states prohibit the car insurance companies
  to raise your car insurance rates if you are not
  at fault. But some car insurance companies may
  increase 10-15 car insurance rates on accidents
  when you are not at fault.

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Accidents that do not influence car insurance
rates

• There are some incidents that do not increase car
  insurance rates.
• 1. If someone hits your car which is legally
  parked then it does not affect the car insurance
  rates.
• 2. If you received the compensation from the
  person who caused an accident or if you have a
  judgment against the person who is at fault then
  it does not affect the car insurance rates.

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• 3. If you did not get a ticket related to the
  accident and your car was rear-ended then it does
  not affect the car insurance rates.
• 4. If the driver was convicted of a moving
  violation who is at fault, it does not affect the
  car insurance rates.
• 5. Car insurance rates may  not increase if the
  damages to the vehicle caused  by birds or
  animals.

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• 6. Car insurance rates may not increase if
  damages are caused by missiles, falling objects,
  flying gravel, etc.
• 7. If an accident happens when you are responding
  to an emergency as a volunteer or paid member of
  the police, fire, first aid, or law enforcement
  department then it is not chargeable as an
  accident by the car insurance company.

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• Car insurance agents access the driving history
  of the past three to five years while deciding
  the car insurance rates. Minor accidents affect
  car insurance rates for 3 years. If the accident
  is serious then it will affect the car
  insurance rates for 5 years.

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• THANK YOU