Question

Rate increase after having an accident without insurance

I got in an accident when I did not have car insurance. How much does insurance usually increase? I've been without insurance for about a month and recently got rear ended by another vehicle. I was not at fault.

Jun 7, 2018 Metairie, LA

Answer
Ava Lynch

Jun 7, 2018

There's a couple of things to consider. First, if you did not have insurance at the time of the accident and thus didn't file any sort of claim, your insurance wouldn't be affected. Next, because you were the not-at-fault driver, you would actually be filing a claim with the at-fault driver's insurance company. Your lack of insurance, while illegal in Louisiana. Although the accident happened a month ago, the statute of limitations for your state is 1 year. Furthermore, I would recommend getting car insurance as quickly as possible. Not only is it required in your state, but you can be ticketed if you're caught driving without it. Plus, if you're in an at-fault accident you are financially responsible for any and all damage you cause. Which, depending on the accident, can be significant. If you're interested in a quote, see here. For more information on filing a claim and the next steps, see our guide here.

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