Unfortunately, it's not that simple and there are many reasons to file a claim not necessarily as a result of reckless driving or other risky driving habits. Insurance companies do not look at the reason for the accident, they look at whose company paid the claim and what it cost them. The accident is likely listed as at-fault which can impact her rates for up to five years and there will be no way to take it off her record. Her best option is to shop around
as much as possible for the best rate. To bring down her premium further, she can consider raising her deductible
but that comes with the gamble of possibly paying more if she gets in another accident. Good luck and if you have any questions, don't hesitate to ask
. For more information, see our additional resources below.