Can I switch companies if my rates go up after an accident?
If an at-fault driver had an accident in my vehicle and a claim was filed against my car insurance and my rates go up, can I switch companies? The car involved was totaled but I have another car.
You can shop around for lower rates elsewhere as you please. But keep in mind that the accident will still be on your record for all insurers to see and rate you on — namely, it will show up on your CLUE report, which all insurance companies use to access your claims history.
On average, an at-fault accident increased rates by 42% in 2018. See more info on how much you can expect your rates to increase here.
Switching to a different insurer is generally encouraged if you're not satisfied with your rate. Even with the accident on your record, you could potentially find cheaper options elsewhere. You can start your search by entering your zip code here to compare quotes from over a hundred insurers.
If you have any questions, don't hesitate to ask.