Prestizia Insurance Blog
With the exception of no-fault states, after a car accident, you normally file a claim against the car insurance of the other motorist who causes it. But, what if the accident is your fault? It will be your insurer who has to cover the costs of the injuries and damages incurred. For this reason, the rates of your insurance are likely to increase when it is time to renew your policy.
Moreover, if you have collected a few speeding tickets during your time as a driver, it is also a factor for a rate increase. Insurance companies might consider you a high-risk driver.
What Is the Cheapest Auto Insurance If the Accident Is Your Fault?
If you have caused a crash, resulting in car damage and injuries on people, it is best to look around for insurance quotes. Comparing quotes will help you find the most competitive rate that is ideal for your needs.
Here are the average annual rate increases from the four major car insurance firms located in the 12 densely populated states in America for drivers with at-fault crash records:
When it comes to at-fault accidents and speeding tickets, the increase of rate mainly depends on the insurer. If you have done some repeated offenses and more serious traffic violations, the rates can drastically go up. Therefore, take the time to get several quotes from different insurance carriers.
How Long Does Your Driving Violations Stay
The answer to the question how long do past records stay to haunt you is determined by the severity of the mistake. Basically, insurance companies usually review your records for three to five years back. What they discover will be among the factors that determine your rate.
Serious violations like reckless driving and DUI will stay for over 10 years. On the other hand, minor violations such as speeding tickets normally stay on record for up to three years.In fact, you may be able to clear your mild violations even before they are put on your record.
Is There an Alternative Auto Insurance for Risky Drivers?
If you have a lot of serious accidents and convictions, it would be difficult for you to qualify for auto insurance. But, you may try an assigned risk plan by your state. Go to the Automobile Insurance Plan Service Office (AIPSO) as they can help you get a policy.
Another option to help you get a car insurance if you have at-fault accident record is to consult with an insurance agent. At Prestizia Insurance Group, we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (855) 436-6353. Get your free quote today by CLICKING HERE.