My car was totaled after being struck broadside by a vehicle that ran a stop sign. I was not charged, but my insurance company held me 10% responsible for not taking “evasive action.”
The only thing that’s keeping me from changing insurance companies is that I had a legitimate accident 2 1/2 years ago. I backed out of the driveway into a neighbors car parked on the street. So far they have not raised my rates, but I’m still considering making a change even if I have to wait for the first accident (my fault) to fall off my record.
Will the 10% charge likely cause a higher rate elsewhere? The accident with my neighbor was the first accident for me and I didn’t receive a ticket. So, do I have two accidents or one on my record?