how much will my rate go up with 2 at fault accidents in a month?

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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...

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UPDATED: Jul 24, 2017

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Insurance Question from Belleair Beach, FL

Asked on 07/24/2017

how much will my rate go up with 2 at fault accidents in a month? 2 at fault accidentsI have accident forgiveness. 2nd accident was hydroplaning on the highway but no other cars involved.

Answer given on July 28, 2017

In most states, the insurance company will continue with a good driver discount if yiou have only one accident or ticket. If the accident causes bodily injury, then the good driver discount will be taken away.  Also, if you have a second accident within a 3 year period, you will lose your good driver discount. Most companies will also take away the accident forgiveness and charge for both accidents. This can add another 20% to your insurance costs, PLUS the cost of the accidents which is usually around 15% per incident. It is possible your insurance company will also cancel your insurance at renewal. If that is the case, you will have to find other insurance with a company which insures drivers with bad or suspect driving records. This will continue for at least 3 years.

If the car is not seriously damaged from the hydroplaning incident, you may want to consider not reporting the accident and repairing the car yourself. Consider the costs of increased insurance rates vs the cost to repair the car on your own.

 


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