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In Michigan, if another driver is At Fault and ticketed, my insurance company and probably others, will not raise your rates. If you are at fault, even if you are not ticketed because the accident was unavoidable, your rates would go up. My insurance company won't raise the rates for one accident, but will raise them for a period of three years after a second accident. If no more accidents during the three years, the rates go back down. If someone else is driving your car and has an accidents the same answer above applies. If you are parked and someone hits your car, even a hit and run, your rates don't go up. Other states may have other rules.

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2005-11-21 17:22:50
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Q: Can an auto insurance company raise your rates if you are in an accident?
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Related questions

Do you have to declare accident on works policy to your own insurance company?

They may raise your rates so I wouldn't tell them.


How much do auto insurance rates increase from an accident?

After an automobile accident the automobile insurance carrier will usually raise the rates of the liability 7-10% depending on the severity of the accident.


Will a no fault accident raise your insurance rates?

You need to check with your agent or policy services for you company. They can tell you their rules for accident/claims related rate increases.


When can a health insurance company raise their rates?

At renewal.


Can an insurance raise if you have been in an accident but not charged?

Absolutely, the fact that you are cited or not cited will not apply. The insurance company will determine your fault. For example, an accident caused on private property doesn't fall under police jurisdiction but you still caused it so your company would raise your rates.


Are auto insurance companies in Canada allowed to raise rates because of an accident?

Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies


What happens if an accident is your fault and you have have insurance?

When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.


How much your insurance will go up after an accident at your fault having nationwide insurance?

That is solely up to the discretion of your insurance provider. Your rates won't necessarily go up, especially if this is your first claim. The Hartford insurance offers me first accident forgiveness, which basically guarantees that the insurance company will not raise my rates after my first accident. If this is your first accident and your policy includes this as well then your rtes won't rise at all.


Can the insurance company raise your rates from a claim they missed five years ago?

What do you mean they missed? If it is a chargeable accident then I would think yes, but to be sure I would contact your states dept of insurance.


Will your insurance premium go up if you are not at fault in Michigan?

Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.


Will your auto insurance increase if you get into an accident with a friend's car?

Not unless you received a violation for the accident. Otherwise it will show on your record as a not at fault accident and should not raise your rates.


What happens with the insurance if you get in a wreck and its your fault?

We typically contact our insurance company and report the accident and the circumstances. That way the insurance company can pay the bills for you.Answerthe insurance company raises your rates and pay a deductable

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