Right after an accident
- Make sure everyone is safe, and call 911 if anyone is hurt.
- Move to a safe spot if you can, and turn on your hazard lights.
- Call the police if your state requires a report, or if there's injury or significant damage.
- Exchange names, phone numbers, insurance and license plate details.
- Take photos of the vehicles, the scene and any injuries.
- Get contact details from witnesses.
- Avoid debating who was at fault at the scene.
Reporting to your insurer
Report the accident promptly, even if you aren't sure you'll file a claim. Most policies require timely notice. Your insurer will explain which coverage applies: liability for damage you caused to others, collision for your own car, and medical or uninsured motorist coverage if you have it.
Will your premium go up?
If you're found at fault, your premium will often rise at renewal. How much depends on the carrier, your state, the size of the claim and your driving record. Accidents where you weren't at fault usually have less effect, though rules vary by state and carrier.
The surcharge typically lasts a few years, often three to five. After that, the accident usually stops counting against you.
Accident forgiveness
Some carriers offer accident forgiveness, which keeps your first at-fault accident from raising your rate. It may come with a long clean record or as an add-on. Check whether your policy has it before your renewal, and ask how it works if you're shopping.
Should you file a small claim?
For minor damage to your own car, compare the repair cost with your deductible and the likely premium increase. Sometimes paying out of pocket costs less over a few years. If another person was hurt or their property was damaged, report it to your insurer either way.
What you can do at renewal
- Read your renewal notice to see what changed and why.
- Ask about discounts, like bundling home and auto or safe-driver programs.
- Consider a higher deductible if you have savings to cover it.
- Compare quotes from other carriers.
How CapCenter's insurance agency helps
Our in-house agency compares coverage across multiple carriers for auto, home and renters. We review your policy each renewal to make sure you are not paying too much for your insurance.
