Buying insurance online with an auto accident
Buying insurance online with an auto accident — The severity of an accident also plays a part in any potential alterations of a person’s premium. Although major incidences can affect a person’s rate, minor fender benders are often ignored. If a person is involved in a collision in which nobody was injured and the property damages are less than a certain amount, usually around $750, then the entire occurrence may be dismissed or considered non-chargeable. If a collision is reported to the Department of Motor Vehicles then it is likely to go on the driver’s record. These driving record blemishes, typically only remain for roughly three years, and as long as accidents don’t continue to occur, a motorist is unlikely to see continuous rate increases.
Regular accidents, however, can quickly alter a person’s premium. If an individual is involved in a series of collisions and accrues numerous traffic violations they may be considered a high risk driver, and could be denied coverage altogether. Avoiding accidents entirely is the best way to avoid increased rates, and is more than possible by obeying traffic laws and driving safely. According to the National Highway Safety Administration the number of accidents has been steadily decreasing since 2005, yet motorists are still capable of being involved in an accident, and should always practice safe driving techniques.