rear end accident
If you’ve just been in an accident there are probably a million questions running through your mind, including, “Will my insurance increase?” Our team at Andy Mohr Collision Center is here to provide you with some of the answers you’re looking for.
Read on to learn more about determining fault following a fender bender and what factors go into how much of a rate increase you may experience. If you have any questions or need to schedule collision repair, reach out to our team today.

See Related Post: Should I Document a Fender Bender?

Do Fender Benders Affect Insurance Rates?

insurance for car
Your insurance rates will increase following any accident where you are deemed at fault. For example, if you have been rear ended, the other driver will be responsible for the damage incurred on your car. On the other hand, if you were the one rear ending the other car in a fender bender, you are most likely at fault and will see an increase in your insurance. Some exceptions include accident forgiveness, depending on your plan and if you’ve been in a collision before. Speak to your insurance provider to learn more.

How Much Will a Fender Bender Increase Your Rate?

If you have been deemed at fault for a fender bender, your insurance will most likely increase. Two of the major factors determining how much your rate will increase include:

Severity of the Accident

If a collision has resulted in one of the car’s being totaled, then this may cause a major jump in your rates. Conversely, a more minor fender bender with just a few scratches may not raise your insurance very much.

Driving History

Have you been in an accident before? Have you ever totaled a vehicle? These are some of the questions your insurance company will ask to determine how much to raise your rates. If this is your first accident you may not have a large increase in your premium, but if you’re more accident prone, your insurance could jump up.

Driving Experience

girl in car
Newer drivers experiencing a collision may experience a larger rate increase depending on the type of insurance plan you have selected. If you have been a driver for a long time and have been accident-free, your insurance company is less likely to raise your premium.
The best way to learn about how much your insurance will be affected is to speak to your agent following a fender bender. Work with them to learn about your rates and what the various options available to you may be.

Schedule Your Collision Repair Today!

If you’ve been in a fender bender, you can trust our team at Andy Mohr Collision Center to get you back on the road quickly. Our technicians are highly trained in the specific needs of your vehicle and will utilize genuine parts to ensure a high level of quality and care.
Drivers from the Plainfield, Indianapolis, Fishers, and Bloomington, Indiana, areas can contact us today to get an estimate or schedule an appointment.

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