how long after an accident do I have to wait before another insurance company will accept for a quote

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Apr 30, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Phoenix, AZ

Asked on 04/30/2016

how long after an accident do I have to wait before another insurance company will accept for a quote I was checking for an insurance quote and the agent said that an accident at fault or not they could note quote for three years.

Answer given on May 01, 2016

Each insurance company is different regarding quotes offered on auto insurance. Usually, if the accident was not at fault, most insurance companies will offer a quote, presuming the claim has been settled a closed. If there is an at fault accident then insurance companies may not be willing to offer a quote for at least a year. If there was bodily injury involved in the accident, then it may be longer before a quote is offered. You may want to wait until your insurance company provides a renewal quote to you after the accident before shopping around, just to be sure that you know what you are shopping for. If your accident wasn’t your fault, your rates with your current company should not go up so it may not be necessary to shop around for a better price.If you still want to shop around, check with your homeowner insurance carrier as they often offer a discount if they have both the home and auto insurance.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption