How much would your insurance go up after an accident wether it’s your fault or not?

May

Mine did not go up. when it does go up, It varies greatly. There is no "ballpark" figure. It does not ALWAYS go up.

y

Didn't get in an accident but have reached the age, where my insurance goes up every year anyways. Haven't even had a ticket, never mind an accident. But my insurance has gone up about $500.00 over the last half a dozen years, and coverage has decreased.

Bill

Depends on which insurance company, the contract, fault, and amount of payments. There is no general answer to your question. Ask your agent and/or read your policy contract.

Anonymous

My didn't go up one cent. I was sideswiped twice in parking lots. My company did run a check before writing the renewal, but my insurance did not go up. My sister was in an expensive accident, not her fault. Her premium did not go up, but the company refused to renew the policy. It depends.

RICK

2 years ago had a no fault accident (I got T boned) other drivers insurance company refused to pay. My insurance paid to fix my car (except my dedutible) then went after the other driver and insurance company. My insurance did not go up and when my insurance company finally settled with the other company they reimbursed my deductible as the other insurance paid it

boy boy

to the rest of world it may sound a strange question ...but not in uk ..compulsory insurance ..so most people have apart from a no claims bonus a protected bonus scheme ...to prevent cost rising after a claim ...however recently a person complained to the press ...so it went viral ..that after her car was involved in a claim ..even though it was parked ..and the other driver admitted it was their fault ..they ran into a stationary car ...when she went to renew her insurance the cost had doubled ...after making enquires the insurance company stated ...once a person has made a claim regardless if it was her fault or not ..they are more liable to make a claim in the future ..so we need to protect ourself!!....work that out

Anonymous

Not my fault, then my insurance does not go up(except for inflation) My fault, then expect to see some rise. My fault (the second time in the same year) expect to see it jump even more My fault(the 3rd time in same year) expect it to really take off. If you pay it they will continue to insure you. My fault (the 4th time...I am going to expect to see a letter from DMV about Driver retraining along with even a greater increase in insurance.) I may fail and lose the license. That is, if I am not DEAD, YET.

Obi Wan Knievel: You gave the answer yourself

You gave the answer yourself: It varies, it's different for everyone, and there's no exact answer. That might not be the answer you want to hear, but it is the right answer. Sometimes what you want to hear and what you need to know are two different things, and this is totally one of those times. Whether it's your fault or not definitely matters. In the civilized world, including where I live, only responsible (at-fault) accidents will affect your accident-free rating. If I get rear-ended today, then some jabroni blows a stop sign in front of me tomorrow, and then some idiot backs into my car the next day, my accident-free rating won't be affected because all of those accidents were the other idiot's fault. But what if I'm the idiot, you ask? What if I lose control on an icy road, or what if I change lanes into another vehicle that I didn't see? My rates still won't be affected, because I qualify (and paid five bucks) for accident forgiveness on my policy. That means my first (and only my first) responsible accident won't affect my rates in any way, at least not with my current insurance company. Other insurers, however, don't have to honour my current insurer's agreement. See how this stuff works? It's all about those pesky little details in the contract, and the little details matter. That's why Rule #3 is never sign anything you didn't read, and never forget that rule. In case you were wondering, Rule #1 is buy low sell high, Rule #2 is never let your enemy know what you're capable of, and I totally forget Rule #4. Something about always split aces and eights at the blackjack table, but don't quote me on that. But definitely don't sign anything you didn't read.

hotstuffktr

Dude - minor body repair, or a total? BODILY INJURY?!?

Robsteriark

Insurers base premiums upon actuarial data which is a record of actual incidents. That data proves that anyone who has been involved in an incident of theft, vandalism or vehicle damage whether their fault or not is statistically at greater risk of being involved in subsequent incidents. So yes, even with a protected no claims discount, the underlying insurance premium will usually rise. But there is no meaningful “average”, “roughly” or “ball-park” figure for how much the raise will be as there are far too many variables involved and every single insurance premium calculation is unique to the individual policy holder. For a low cost non-blame incident which has cost the insurer zilch the rise in premium may end up being zero. For a high cost “at fault” incident where the insurer has lost a lot of money the rise could be well in excess of 100%. The same rise could occur if the customer has been involved in a rapid succession of low cost non-blame incidents.

STEPHEN

You answered your own question. "it varies and there’s no exact answer".

Ron

My insurance has never gone up because of an accident or claim of any type