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Often times insurance companies offer discounts for not having a claim in a certain period of time. Some even give multiple different discounts over time to reduce your rate due to not having claims. The problems comes if you have an accident, you loose your "claim-free" discounts as well as incurring an uprate due to the points applied for having an At Fault accident. Normally, you will have 3 points applies for an at fault accident. This is the same as 3 speeding tickets or 1 DUI as far as the rates go.

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11y ago

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