When you are involved in an accident, it is likely that your car insurance premium will increase in Hartford, CT. An at-fault collision, or an accident that you caused, may increase your rates further than an accident that was caused by another driver, but the actual amount that you will pay will depend on several factors.
Your Policy
Ultimately, your specific policy will determine how much you can expect to pay and the impact on your plan. If you have accident forgiveness on your policy, then a single accident may not have much impact on your premiums. On the other hand, it may have a major impact on your premium if the accident was severe and the damages to the other vehicle were significant.
The details of your plan will determine if you have solutions available to keep the premium down. You may also lose some of your discounts after an accident, which can further increase the rate.
The Current Situation
Your driving record will also play a role in the impact on your policy. If you get into an accident after you have gotten a recent traffic ticket, then you can expect to pay more than an individual who got into an accident without the negative mark on the current driving record.
Situations can vary, so the exact impact on your policy and premium may differ. Your insurance provider can also play a role because the insurer may have minimum standards regarding changes to a policy.
There are a variety of factors that contribute to the cost of your insurance premium. Depending on the situation, an at-fault accident can have an impact on your premium. To learn more about changes to your rates, contact us to talk to an agent.