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How an Accident Can Affect Your Rates

Regardless if you have a clean driving record or a spotty one, your auto insurance rates are apt to increase after being found at fault for an accident. An accident stays on your driving record 3 years from the day they begin charging it, i.e. on your renewal date. Insurance rates normally increase from 20-40% after the accident, and the discounts you may have been awarded for various reasons could be suspended at their discretion. Once you are in an accident, your insurance company intends to make you pay for it by insuring themselves against another accident by raising your premiums and rates.