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Will a Car Accident Affect Insurance Rates?
If you’ve been involved in a car accident in California, you may be concerned about how it will affect your auto insurance rates. The quick answer is yes, a car accident can result in increased premiums, but the degree of amount depends on factors such as who was at fault, the severity of the accident, and the policies of your insurance provider.
At Solution Law, we assist Californians in managing the aftermath of car accidents, including interactions with insurance companies and safeguarding your rights. Here’s what you should know about the impact of car accidents on insurance rates in California.
How Insurance Companies in California decide if your Car Accident will Affect Your Rates.
After a car accident, your insurance provider will evaluate several factors to determine if your premium will increase. These include:
1. Who Was at Fault?
- At-Fault Accidents: If you caused the accident, your insurance rates will likely go up.
- Not-At-Fault Accidents: California law prevents insurance companies from increasing your rates for an accident that wasn’t your fault (per California Insurance Code §1861.02).
- Shared Fault (Comparative Negligence): If you were found partially at fault, your rates may increase depending on your percentage of liability.
2. Severity of the Accident
- Minor accidents (e.g., fender benders) may not lead to a significant increase.
- Major accidents involving injuries or extensive property damage can cause higher rate hikes.
3. Your Driving History
- If this is your first accident, some insurers may not raise rates—especially if you have a clean driving record.
- If you have multiple accidents or traffic violations, expect a steeper increase.
4. Insurance Company Policies
- Some insurers offer accident forgiveness programs, which may protect you from a rate increase after your first accident.
Others may raise your rates for any claim, regardless of fault.
How Much Will My Insurance Rates Increase in California?
The exact increase depends on the insurance company, but in California, at-fault accidents typically lead to a 20% to 50% increase in premiums.
Here’s a general breakdown of how rates can be affected:
- Minor at-fault accident: 10% – 25% increase
- Major at-fault accident with injuries: 30% – 50%+ increase
- Multiple accidents on record: 50%+ increase or possible policy cancellation
Tip: If your insurer unfairly raises your rates for a not-at-fault accident, you can file a complaint with the California Department of Insurance (CDI).
Do No-Fault Accidents Affect Insurance in California?
California law states that insurance companies cannot raise your rates if you were not at fault for the accident (California Insurance Code §1861.02). However, some insurers may still consider you a “higher risk” and increase rates indirectly over time.
Ways to Prevent Insurance Rate Increases in California
While you can’t always avoid accidents, you can take steps to reduce your risk of higher premiums:
- Drive Safely: Avoid speeding, distracted driving, and aggressive maneuvers.
- Enroll in Accident Forgiveness Programs: Some insurers offer one-time forgiveness for your first accident.
- Increase Your Deductible: A higher deductible can lower your monthly premiums, but be sure you can afford the out-of-pocket cost.
- Compare Insurance Rates: If your rates increase, shop around for better options.
Consult an Attorney: If you’re involved in an accident, an attorney can protect your rights and help you dispute fault to prevent an unjustified rate increase.
Involved in a Car Accident in California, Get the Legal Help You Deserve!
If you’ve been in a car accident, don’t face the insurance companies alone—Solution Law is here to fight for your rights! Our experienced California personal injury attorneys are dedicated to ensuring you receive the compensation you deserve.
Call us BEFORE you speak to the insurance company!
Remember, insurance companies have entire legal teams working to protect their interests—you need a strong advocate on your side to level the playing field. We’ll handle the negotiations, fight for your maximum compensation, and make sure you aren’t pressured into an unfair settlement.
Contact Solution Law today for a free consultation! Let us take care of the legal and insurance challenges while you focus on your recovery.
Call Today!
(844) 839-9838
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