How Much Does Insurance Increase After An Accident?

At-Fault Accident

An at-fault accident is one where you are the driver to blame, meaning you are the person who caused the accident because you were speeding, not watching, or doing something else illegal. However, despite your fault in the accident, you might live in a no-fault state, which means your state doesn’t recognize fault in an accident and each party goes through their own car insurance company for repairs and other expenses they require. If you live in a state that recognizes fault and you cause an accident, chances are good your rates will rise higher than anyone else’s. Your insurance will go up for being a faulty driver, but the amount depends on the type of accident you’re in. For example, your rates will rise significantly if you were driving under the influence when you caused an accident. If you merely back into a car in the parking lot by mistake, your rates typically won’t go up as much.

Continue reading to learn about not-at-fault car accidents.