Will My Insurance Rats Go Up

Was the car accident your fault?

If the car accident was proven to be all or part of your fault, then you can probably count on your insurance rates rising. Dispite what most people may think, not all auto accidents are 100%one person’s fault. There are many many cases that end up being settled as a “split liability” case. This means that the percentage of fault is divided umong those involved based on the police report, witness accounts, and the testimonies of those involved. If the insurance company thinks the other driver should have zigged instead of zagged, they could be help partly responsible for the car accident.

Was the car accident the other drivers’ fault?

When the car accident blame is given 100% to the other driver or drivers involved, theoretically your rates should not rise. However, this is not always the case. Some insurances believe that for the simple fact you were involved in a car accident, you are more of a risk and they feel justified in charging you more money. You can fight for your rates to stay the same if the insurance company decides to charge you more even though you were not at fault for the accident. You may discuss this with your agent and/or underwritting department of the insurance.

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