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How A Car Accident Can Affect Your Insurance Rates

Author : Jim Brown


Insurance companies consider several things when evaluating your rates. They generally divide everything into two categories: Things you can control and things you can't control. Things you can't control include age, gender, and drivers with insurance in your zip code. Things you can't control include:

-Vehicle Type
-Credit Score
-Your Accident History

An example would be if you drove a Ferrari instead of a 1994 Toyota Camry. Your rates would be higher because any damages to the more expensive car would be...more expensive! Many car accident attorneys may actually advise you to shop for car insurance before shopping for the actual car because of this.

Your credit score may also have an impact on your rates. If you have a low credit score it may cause you to pay higher premiums. Although some will, not all car insurance companies will factory your credit score into their decision. A bad credit score will lead to higher premiums if they do.

Accident history is the most complicated of the three factors. Obviously your car accident history will affect your insurance rates. It is more expensive to insure a driver who has a long history of accidents, obviously. This may seem out of your control to an extent. Safe driving can prevent car accidents to an extent, but as you know you can't control the other drivers on the road. But even if the accident isn't your fault it's possible that your premiums could go up.

Don't talk to the insurance adjuster!

It may seem like a good idea to speak with an insurance adjuster, and it may seem harmless if you think you aren't at fault in the accident. This is not the case. Even if the accident is not your fault, just the fact that it happened can make your rates go up. The insurance adjuster has only one job to do: make sure the costs for the insurance company are as low as possible. Your fight with the insurance company will get harder if you admit even a little fault for the accident.

It's important to avoid making a mistake after a car accident in your battle with the insurance company. Simple mistakes may seriously affect your premiums and your possible injury claim. Be sure you know how to avoid those mistakes.


Author's Resource Box

James Brown is a Missouri injury lawyer based in St. Louis. Before you are hurt in a car accident you need to know the most common mistakes car accident victims make when talking to the insurance adjuster that ruin their accident claims. You can request a free copy of his Missouri accident guide, I Survived! The Crash Victims Guide to Surviving the Aftermath at his website http://www.themissouriinjurylawyer.com .


Article Source:
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Tags:   car accident affect insurance rates, calculate your car insurance rates, fight the insurance company, St Louis car accident attorney, Missouri accident guide

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Submitted : 2010-12-05    Word Count : 1    Times Viewed: 92