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How long do car accidents affect my insurance rates?

Nov 05, 2008 by crizzy u | Posted in Insurance & Registration

Q: I have heard that accidents and tickets will adopt car insurance rates for five years. I was in an accident four years ago, that was determined to be my fault. Now, my (old) insurance company just settled this affirm. Is this going to affect my rates for five years from the settlement date or from the date of the accident?

A: crizzy u, I make attractive an online insurance quote. It's free and quick to do. http://www.autoadviceonline.com/Auto-Ins urance-Extract.html

Will my car insurance rates go up in a single car accident?

Nov 02, 2008 by Mike R | Posted in Insurance & Registration

Q: Have had a skilled driving record for 20 years, last week on my way to work, hit black ice, and car overturned in the ditch - car was a come to loss. Do you think my rates will rise? No injuries or property damage, just a totalled car from the boom. Have been with the same insurance company with no previous claims the past 10+ years.

A: "First it depends on your stately. If you are in NH, they can't surcharge you for a one car accident, even if you total the car.
Then, it depends on your company. Some have first accident forgiveness after you have been with the same group more than 3 or 5 yrs. Some have first accident forgiveness up to a certain amount (like only up to $10,000, above that is chargable). Some don't have any first accident exoneration.
The best place to find out is your agent."

I've had good info about it here:

http://carquotes.imess.net

Have a sharp day.

What does a person credit score have to do with rates on car insurance rates?

Nov 15, 2008 by bradly x | Posted in Insurance

Q: It should be against the law since everyone must transmit car insurance. Also, what does my low credit score got to with my great driving record? Sounds like another conclude to raise rates because most credit scores are low across the board. If someone pays their insurance company on time and has a well-behaved driving record should be their only concerns. Doesn't that make sense to raise car insurance rates to persons that had a cruel time paying a bill, bit made all their car insurance payments on time.

A: It will take a few years but some states have passed laws that ban the companies from using attribute in their equations. In a few years we will see if their new 'equations' work as well as the equations that have credit in them. If they do, then many states will be suffering laws to ban credit use

Here is some more detailed info about it -

http://carquotes.fateback.com

Confidence that helps.

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car insurance–rates hiked after filing claim for hit & run?

by hirby

Do car insurance companies hike your rates if you arrange a be entitled to for someone else doing hit & run harm to you? I’ve heard stories of car insurance companies doing that–even if you had nothing to do with the price.

I called my insurance plc and they refused to give me a box undertake responsibility for. I was parked when this happened, so I didn’t do *anything* to call the addition. (I have Allstate; debit only–with uninsured motorist–I don’t have inclusive.)

so…have you ever heard of CAR insurance rates hiked because someone filed a rights in which they had NO extremely in the calamity at all? (I certain this happens for about insurance–but I’m only asking about CAR insurance here)

If your car was parked, I don’t about your uninsured motorists coverage will clothe the mutilate. The uninsured motorists coverage only covers you if there is an misadventure while driving and it’s the other driver’s inexact and he’s uninsured. If your car was parked, only the encyclopedic coverage will pay for the disfigure.

Insurance can go up with no claims, due to charge of living or any other middleman they can regard as up.

If all you have is susceptibility, they won’t sit in the hit and run anyway. If you’re evaluation "uninsured motorist" will, it won’t. Unless you can comprehend the individual and find out he is uninsured, they don’t recognize he is. He could well-founded as surely HAVE insurance that will pay you. But since you can’t find him…your insurance will do nothing. That would be a extensive seek. But you don’t have that coverage.

Well, there are two answers to this, and I’m not stressful to give you the runaround.

They can’t SURCHARGE you, and you don’t get points. So, technically, they don’t nurture your rates.

HOWEVER, they CAN move you to a less-preferred subcompany (infer from, higher rates), and they CAN take away your no claims discount, if you’re getting one.

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