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If You File a Claim with You Auto Insurance Company Will Your Premiums Increase?

You may be wondering what effect the filing of a claim with your auto insurance company will have on your future. You may be wondering if the filing of a claim with your auto insurance company will cause your auto insurance premium rates to increase. Through this article, you will be presented with some basic information about the impact the filing of a claim with your auto insurance company will have on your insurance premium rates in the future.

Keep in mind that each auto insurance company has different policies, procedures and practices associated with premium adjustments and increases in the aftermath of an auto accident. These provisions are set out in a policy of auto insurance and should be reviewed prior to the time you actually make the purchase of a particular auto insurance policy from an auto insurance company. If you have any additional questions following the review of this article, you will want to contact your auto insurance company directly or your auto insurance agent.

The Answer is Yes

As with so many things in life, the answer to the question of whether filing a claim with your auto insurance company will raise your auto insurance rates is yes and no. There are some instances in which filing a claim with your auto insurance company will end up in increasing your insurance premium rates into the future.

If you have been involved in a fairly serious auto accident that is your fault, odds are very strong that your auto insurance company will increase your premium rate.

First of all, many auto insurance companies today have provisions in their policies that automatically call of a premium increase or accident surcharge that will result in you having to pay more for your car insurance for a period of time.

Secondly, the increase in your car insurance really will depend on how much money your auto insurance company has had to pay out in your behalf. The more your auto insurance company has had to expend on your behalf, the more impact an auto accident and its aftermath may have on your insurance premium rate.

And No

If you have been involved in an auto accident -- even a serious auto accident -- that occurred through no fault of your own, your auto insurance company should not increase your auto insurance rates. The costs associated with your auto insurance should remain the same overall.

Additionally, if you have been involved in only a minor fender bender -- that was your fault -- and if you have had an otherwise clean record (no other accidents, no traffic tickets), chances are decent that there will be no increase in rates associated with your auto insurance.

 





Before You Purchase Insurance

Make certain you understand under what situations and conditions your auto insurance rates will be increased. By understanding what to expect before you purchase auto insurance coverage in the first place, there will be no surprises on down the road. You will be able to plan accordingly.





 

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