Comments on: What To Do If After A Minor Accident If Your Auto Insurance Rate Is Higher?

By: Pancakes

Pancakes — Thu, 21 Jan 2010 13:59:39 +0000

You can try negotiations. And check other insurance quotes.
Next time, pay for the repairs yourself. Especially in ‘minor’ accidents.

By: pomegran

pomegran — Thu, 21 Jan 2010 11:28:53 +0000

This is standard policy across all insurance companies. They charge you a 10% surcharge for the next 2 to 5 years depending on the severity of the accident.

By: Dian R

Dian R — Thu, 21 Jan 2010 05:42:33 +0000

I found a great site for you, take a look and tell me what do you think:http://alternativeinsuranceguide.com/how…

By: Neetalia

Neetalia — Thu, 21 Jan 2010 00:42:39 +0000

Yes, your auto insurance premiums could go up if you have an accident and it is entered in the insurance records. Some insurance companies forgive the first accident and some others may charge a little extra at the time of your signing up for offering forgiveness. You can read more on this link..
http://www.assureinsure.com/article-will-my-insurance-premium-go-up-after-accident–43.aspx

By: PamelaS

PamelaS — Wed, 20 Jan 2010 19:01:05 +0000

No, there is no negotiating. Each company files their mathematical formula for calculating rates (including the factor they use for accidents) with the state and it is carved in stone.
However, every company has its own mathematical formula, so it might pay to shop around.