How Car Accidents Can Increase Your Insurance Rates

Car Accidents Can Dramatically Increase Your Insurance Rates In Pittsburgh, PA

Pittsburgh, PA car accidents can have a huge impact on insurance rates. The amount of the increase — and the reasons behind it — remain a mystery for many Pittsburgh area residents. We will help clear up some of that mystery, so that you can know what to expect if you are involved in a car accident here in Pittsburgh, PA.

Factors Affecting Insurance Rates

Many factors affect your motor vehicle insurance rates. These factors include:

  • Age
  • Driving Record
  • Gender
  • Marital Status
  • Vehicle Make/Model
  • Credit Score

While all of these factors play a part in determining your insurance rates in Pittsburgh, PA, a history of motor vehicle accidents is one of the biggest factors affecting your rates. That said, there is not a fixed increase for every car crash. The circumstances behind every car crash are different, which is why local insurance companies use several variables when determining if your rate should go up, and by how much.

Variables Affecting Your Insurance

Insurance companies in Pittsburgh, PA look at many factors surrounding the crash itself. For one, they will want to know if you were at fault for the accident. This is one of the most important factors determining rate increases after an accident. This is why it is crucial to contact an experienced Pittsburgh, PA law firm like Fenters Ward, immediately following your accident.

Insurance companies will also want to know how serious the accident was, and if anyone was injured or killed. The extent of the property damage can also affect the rate increases. Finally, the insurance company will examine your driving history. Did you have a good driving history before the accident (including prior accidents and moving violations)? If not, you will likely see a greater increase in your insurance rates in Pittsburgh, PA.

When Will The Rate Increase Take Effect?

In most cases, your insurance rates will not increase immediately after the accident. Likely, your insurance rates will increase when it comes time to renew your policy. You should know that if you benefit from a safe driving discount, that discount will likely go away after an at-fault accident. This can significantly increase your insurance rates in Pittsburgh, PA. This is another reason why it is a good idea to work with a Pittsburgh, PA law firm such as Fenters Ward. A law firm in Pittsburgh can help you file your car accident claim.

Fortunately for Pittsburgh drivers, rates do not necessarily increase after every car crash. If you have a stellar driving record and where involved in a minor fender bender, your rates may stay the same (even if you were at fault in the accident). Additionally, some Pittsburgh, PA residents have “accident forgiveness” policies. Under an accident forgiveness policy, rates are based on the driving record as a whole and do not always increase after each accident. Such a policy rewards Pittsburgh area drivers for good driving practices.

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