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Will My Insurance Go Up After an Accident?

Andy Mohr Collision Center Blog

Posted: November 1, 2018

Picture it, you’re driving to work in the morning in the Bloomington, Fishers, Indianapolis, or Plainfield area and you go to take a sip of your coffee right as the light changes and the person in front of you comes to a dead stop. Unless you’ve got cat-like reflexes, you run the risk of hitting the person in front of you.

Although a car accident can be a troubling thing, most insurance companies have learned to be less punitive than they used to be. However, that doesn’t mean you won’t see a spike in your premiums. Whether you see a rise in your insurance rates is all a matter of how your policy is designed. At Andy Mohr Collision Center, we can’t determine what your insurance company charges, but we can work with them to get your car fixed following an accident.

An Accident and Your Policy

Take the scenario above and reverse it. Now ask the question as to whether your insurance will go up. Chances are, probably not. Many insurance companies work with you when the accident wasn’t your fault, and won’t charge you anything extra, however the reverse is seldom true.

When the collision is considered to be your fault, your insurance company will likely increase your premiums depending on the cost of the repairs. If the repair costs little more than your deductible, the change probably won’t be super noticeable, but as your repairs climb, so will the penalty you see on your insurance.

Accident Forgiveness

Some newer policies offer a feature called accident forgiveness for their loyal customers, especially when you’ve been a longtime customer. Generally, this forgiveness is reserved for smaller collisions like a rear-ending or something equivalent, but once again it will all depend on how your policy is set up.

Not all insurance companies offer this service, so if you’ve had a run of bad luck in the past, this may be something you want to look into. Sure, that discount policy offers a great price right now, but you need to consider what may happen if you were to get involved in a collision. Sometimes the higher payment up front may be the smarter risk to take and finding a policy with accident forgiveness will certainly prove advantageous.

Our Collision Centers

No matter what happens with your insurance policy rates and your premiums following a collision, your repairs will be taken care of here. We’ll work privately with you to ensure that your repairs are affordable or we’ll work with your insurance company. The bottom line is that your car will be as good as new once we’re finished with it.

We offer four convenient body shops to serve our customers and to take care of any fixes associated with a recent collision, so we urge you to get your car to us as soon as possible. Whether it’s a little fender bender or something much more extensive, we can help you fix your car.

Schedule Your Service Today

Even if it’s something as basic as an oil change or a tire rotation, we can handle all your car service needs in the Bloomington, Fishers, Plainfield, and Indianapolis areas. Should you need us in the event of a collision, simply request your vehicle be taken to one of our four Andy Mohr Collision Center locations.

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Andy Mohr Collision Centers