{"id":66,"date":"2024-02-28T04:00:00","date_gmt":"2024-02-28T10:00:00","guid":{"rendered":"https:\/\/www.greatlakesstateagency.com\/blog\/?p=66"},"modified":"2024-02-22T11:18:04","modified_gmt":"2024-02-22T17:18:04","slug":"how-an-accident-can-affect-your-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.greatlakesstateagency.com\/blog\/how-an-accident-can-affect-your-auto-insurance\/","title":{"rendered":"How an Accident Can Affect Your Auto Insurance"},"content":{"rendered":"<h2><strong>Understanding Auto Insurance Rates After An Accident<\/strong><\/h2>\n<p>Have you been involved in an auto accident in or near Lansing, MI? Then you&#8217;re probably worried about whether this incident will inflate your auto insurance rates. The short response would be &#8211; 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.<\/p>\n<h2><strong>How Does Fault Influence Insurance Premiums?<\/strong><\/h2>\n<p>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.<\/p>\n<h2><strong>What Is The Role Of Accident Forgiveness?<\/strong><\/h2>\n<p>Certain American insurance providers feature accident forgiveness clauses in their policies. This guarantees your rates won&#8217;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.<\/p>\n<p>Even high-risk drivers can find alternative policies and solutions if they&rsquo;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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding Auto Insurance Rates After An Accident Have you been involved in an auto accident in or near Lansing, MI? Then you&#8217;re probably worried about whether this incident will inflate your auto insurance rates. The short response would be &#8211; it might. However, consider consulting with our knowledgeable staff at the Great Lakes State Agency [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[6,5],"class_list":["post-66","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-great-lakes-state-agency","tag-lansing-mi"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/posts\/66","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/comments?post=66"}],"version-history":[{"count":1,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions"}],"predecessor-version":[{"id":67,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/posts\/66\/revisions\/67"}],"wp:attachment":[{"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/media?parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/categories?post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatlakesstateagency.com\/blog\/wp-json\/wp\/v2\/tags?post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}