Car accidents can happen to anyone, even the best drivers. Whether the damage is big or small, your car insurance rates may be affected in certain situations. Here are some answers to a few common questions about car insurance rates after an accident.

What If I’m Not at Fault?

Determining who’s at fault will have a major effect on each driver’s car insurance rates. If your insurance company finds that you’re not at fault for what occurred, your rates probably won’t go up. Your rates will also likely stay the same if the accident was minor. For example, a minor fender bender of a driver with an otherwise clean driving record isn’t likely to impact their premiums. Some insurers even offer accident forgiveness in these cases. 

How Much Will My Rates Increase?

If you’re determined to be at fault for an accident that caused significant damage, your rates will probably go up; however, there are many elements that contribute to the amount they will increase. If you’ve been involved in numerous accidents, you’ll be considered a high-risk driver, which can make your car insurance rates rise considerably. Your agent will also check other factors to determine how your insurance will change, including the type of car you drive, where you live, your gender, and your age.

How Long Will an Accident Stay on My Record?

Most accidents stay on an insurance record for about three years. Try to keep a clean driving record during this time, or you could be looking at a rate hike that lasts up to six years or more. If you obey all traffic laws and don’t drive distracted, you’ll see your insurance rates fall in no time.

Dewey Beckner with Allstate Insurance Companies in High Point, NC, knows that car accidents can be stressful regardless of the circumstances. Whether you’re filing a claim or shopping for a new policy, Dewey strives to take the stress out of the car insurance process. He can also help you find other essential products, including home and renters’ policies, as well as insurance for motorcycles and trucks. Take advantage of his more than two decades of experience by calling (336) 884-5636 today or visit his website to get started on a personalized quote.