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Question

My insurance company held me 10% responsible for not taking “evasive action.” Will the 10% charge likely cause a higher rate elsewhere?

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?

Agent Answer

Kristine Lee

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable. At-fault accidents can impact your rates for up to five years. Read more here to get an idea of how much you can expect your premium to increase.

I’m not sure why your insurer did not raise your rates after your first at-fault accident, but you may have had accident forgiveness in your policy. Nonetheless, there’s no harm in shopping around to get a feel for how much other insurance companies will quote you.

If you have any questions, don’t hesitate to ask.

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