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How an Accident Can Affect Your Auto Insurance

Understanding Auto Insurance Rates After An Accident

Have you been involved in an auto accident in or near Lansing, MI? Then you’re probably worried about whether this incident will inflate your auto insurance rates. The short response would be – it might. However, consider consulting with our knowledgeable staff at the Great Lakes State Agency for a comprehensive answer. They can guide you through how this experience might influence your existing policy.

How Does Fault Influence Insurance Premiums?

Your part in the accident significantly affects a potential premium increase. If you were at fault, this could drive up your insurance rates as the insurance company perceives you as a higher-risk candidate. Hence, they attempt to compensate for potential costs via increased premiums. However, if you were not at fault, this might lessen the likelihood of a premium increase unless you file a repair claim. An accident typically stays on your record for three to five years, impacting your insurance premiums.

What Is The Role Of Accident Forgiveness?

Certain American insurance providers feature accident forgiveness clauses in their policies. This guarantees your rates won’t increase if you are a safe driver involved in a one-off accident. It would be prudent to check if your policy includes such a provision and under what terms.

Even high-risk drivers can find alternative policies and solutions if they’ve had accidents, regardless of being at fault. Great Lakes State Agency, serving Lansing, MI, is ready to offer all drivers comprehensive insurance solutions to ensure round-the-clock coverage when driving. Contact our office today to schedule an appointment.

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