FAQ
Frequently asked questions
Short answers about car insurance after an accident. Each links to the guide that covers the question in depth.
All questions
How much does insurance go up after an accident?
Typically 30–50% at renewal for an at-fault property-damage claim. See rate increase.
How long does an accident affect my rate?
Three to five years, tapering. See how long.
Does a not-at-fault accident raise rates?
Usually little or nothing. See fault.
Should I file a claim for a minor accident?
Not if only your car is involved and the repair is near your deductible. See file a claim?.
Is accident forgiveness worth it?
Often, if the add-on is cheap relative to the likely surcharge. See forgiveness.
Does this site sell insurance?
No. It is an independent reference; quote tools connect you with licensed comparison partners. See the advertising disclosure.