If you have recently been in an car accident you are likely already dealing with considerable stress, but 
worrying about whether your auto insurance rates will increase as a result shouldn’t be your priority when making a claim. Here are some facts about how accidents affect car insurance rates and what you can do to minimize the effect of potential rate increases should this ever happen to you. After all, car insurance is meant to keep us protected in case of an accident, and finding the right plan will ensure that.
Knowing Your Policy
This may seem obvious, but knowing exactly what is covered in your insurance policy and what happens in case of an accident will ensure that you are prepared if it should occur. Depending on your policy, you may or may not have an insurance premium hike after an accident. This is a good thing to know when you are shopping around for car insurance.
Choosing A Policy With Accident Forgiveness
There are a number of auto insurance policies on the market that offer first at-fault accident forgiveness. This means that your rates will not go up for your first accident. This, of course, only applies to drivers who have never been involved in an at-fault accident, but if this does apply to you it is a feature that you definitely need to look for.
In most cases, the more claims you make the more your rates will increase, and though we may not like it, this clearly makes sense. A few comparisons, however, can help you find a company that will not only offer you fair rate increases, but one that is transparent about its charges. This is usually a sign of an honest and reliable company, an important factor in choosing your insurance.
