How Does a Car Accident Affect Insurance Rates in California?

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How Does a Car Accident Affect Insurance Rates in California?

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When you are involved in a car accident, your immediate thoughts will likely surround whether or not you, the occupants of your car, and the other driver are okay. However, after you level the accident scent, you may wonder whether or not your insurance payments will be affected because of the collision. This is a common concern for many drivers, as insurance rates can skyrocket following a crash. But, if you were not at fault, you may wonder what happens. If this is a concern for you, you’ll want to keep reading. The following blog explores what you should know about your insurance rate following a collision and why working with a Sacramento auto accident lawyer is critical to receiving the compensation you deserve.

Will a Car Accident Impact Insurance Rates?

If you are involved in a car accident, it’s not uncommon to wonder how it will impact your insurance rate. In general, drivers involved in car crashes face higher premiums based on the likelihood of getting into another collision. However, if it is your first time in a crash, the insurer will look at the collision’s severity, if you were the negligent party, and if you have a tarnished driving record.

When you are not at fault for an accident, your premium should not increase. However, because California is not a no-fault state, proving responsibility can be complex. In a crash, more often than not, one driver is primarily at fault, while the other may have done something to contribute, making them partially liable. If you are 51% or more responsible for a collision, you are deemed principally liable. As such, they are responsible for the damages and can expect an increase in their premium.

Drivers who are not at fault likely will not see an increase in their insurance rates. However, because the state operates under comparative negligence laws, if they are somewhat liable, they may see their rates increase.

What Should I Tell My Insurance Company if I’m Involved in a Collision?

If involved in a collision, you must inform your insurance agency. You should contact them as soon as possible, as it is better they hear from you than the other driver’s insurance company. They will ask you for information about the accident, including where and when it happened, information about the other driver, and the vehicles involved. You should not tell them who caused the accident, if you feel like you have no injuries, or anything else that can put your compensation at risk.

When you are involved in a collision and want compensation or your rates unfairly increased despite the other party being 100% at fault, you’ll want to connect with an experienced attorney from the Law Offices of Dale R. Gomes. We know how frustrating it can be to deal with insurance companies following a collision, so we can handle the legal complexities of this matter. Contact us today to learn how we will fight for the justice you deserve.