Will this affect my insurANCE WHEN I GET A CAR
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UPDATED: Jul 20, 2014
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Insurance Question from NULL, NULL
Asked on 07/20/2014
Will this affect my insurANCE WHEN I GET A CAR I've had my license for 6 years. I have never had a ticker or anything. I completed a driver training course. I have however, had two accidents but both was with my mothers car and her insurance. Will this affect my insurance when I get a car. Would this be on my abstract.
Answer given on July 23, 2014
While an auto accident follows the car for payment of damages and or injuries in the accident, the driver who caused the accident is considered at fault for rating purposes. If you have had two auto accidents in a car that you do not own, your driving record with the DMV will show these accidents on your record. When you get your own car the insurance company will charge you for the accidents shown on your record. In some states, two accidents eliminate you from a good driver discount, so your premium could be quite high. If you are shown as a driver on your mother’s insurance, the insurance company is probably surcharging her policy for your accidents. Once you have your own insurance, her premium should go down since they cannot charge on two separate policies for the same accidents. Make sure she updates her policy and removes you as a driver when you get your own insurance.
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