it all depends on your past record, your ins company, and how severe the damage. state farm and a few others have accident forgiveness. low end companies will jack your rates if you report a claim against other drivers that hit you just because you are making them work.
Speeding tickets affect your insurance rates for at least 3 years in most states.
Your rates shouldn't be affected, as long as he wasn't in an accident in your car.
In Michigan, a car accident typically stays on your driving record for a period of 7 years. However, if you were found at fault for the accident, it may also affect your insurance rates during that time. After 7 years, the accident will generally no longer impact your driving record or insurance premiums. Always check with the Michigan Secretary of State or your insurance provider for the most current information.
does defective equipment go against your license
This will depend on how long you have been with that insurance company. If you have not been with them very long then your rates may increase. If you have been with them a long time your rates might not increase but you may lose a loss-free discount. If you lose the discount your premium will go up but your rates will remain the same.
According to my experience, it should not affect your insurance rates if you were not at fault. I was involved in a hit-and-run myself, and at the time I was too nervous to jot down the correct license plate. I filed the report anyways though.Of course, due to the severity of the accident and whether or not you were injured, that would determine how much money your insurer need to shell out. However, as long as it's not your fault, they have no reason to increase your rates.Good luck!
Very likely yes. This is especially true since you are at-fault for the accident. (meaning you caused the accident). Some insurance companies reward loyalty and may have "accident forgiveness" program if you have been a long time customer with them.
In most states it is 39 months. It will also affect your insurance rates.
Depends on what insurance company it is.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
5 to 6 years
they put points on your license, then your rates go up about 100 dollars every 6 months.