How Much Does Car Insurance Go Up After an Accident?

Car drivers found at fault in an accident can anticipate a significant increase in their car insurance premiums. According to Insurance.com data, there is an average increase of 56% in car insurance rates after a single at-fault accident. In absolute terms, for an average annual car insurance premium cost of $2,962 nationwide, the rate after a single at-fault accident will go up by $1,067. If it is not your first at-fault car accident, auto insurance rates will increase by much more.

Factors Influencing Premium Increases

Several factors can influence the extent of premium increases after an accident:

• Severity of the Accident: More severe accidents typically lead to higher premium increases.
• Driver's Prior Record: A history of at-fault accidents or traffic violations can compound premium hikes.
• Insurance Provider Policies: Different insurers have varying policies regarding rate increases post-accident.
• Accident Forgiveness Programs: Some insurers offer programs that prevent rate increases after a first accident. 

Duration of Premium Increases

The impact of an accident on insurance premiums can last for several years. Typically, an at-fault accident can affect rates for at least three years, depending on the insurer and state regulations.

Consequences of Multiple Claims

Filing multiple claims, regardless of fault, may also result in increased premiums. Insurance companies assess the frequency of claims to determine risk levels, and a higher number of claims may lead to higher premiums.

Mitigating Premium Increases

To mitigate potential premium increases after an accident, drivers can:

• Maintain a Clean Driving Record: Avoiding further incidents can help in negotiating better rates over time.
• Explore Accident Forgiveness Options: Some insurers offer accident forgiveness programs that can prevent rate hikes after a first accident.
• Shop Around for Better Rates: Comparing quotes from different insurers may yield more affordable premiums.

Texas drivers should be aware of the potential financial implications of car accidents on insurance premiums in order to make informed decisions and take proactive steps to manage insurance costs effectively.

Proving Fault Helps Prevent Insurance Rate Hikes

When you are involved in a car accident in Texas, proving the other driver’s liability can protect you from a substantial increase in your insurance premiums. If you are found at fault, your insurance rates can rise dramatically. Based on this, by establishing that the other driver was responsible, you can avoid an unnecessary financial burden. A Texas car accident lawyer can gather key evidence, such as police reports, witness statements, and surveillance footage, to prove liability.

Recovering Compensation for Damages

By proving that the other driver was at fault, you can seek compensation for medical expenses, lost wages, vehicle repairs, and pain and suffering. Texas follows a modified comparative negligence rule, which means that as long as you are less than 51% responsible for the accident, you can recover damages. An experienced Texas car accident attorney will help ensure that liability is correctly assigned to prevent your insurer from wrongfully increasing your premiums.

How a Lawyer Protects You from Unfair Insurance Practices

Insurance companies may attempt to shift partial blame onto you, leading to higher premiums. A seasoned Texas car accident lawyer negotiates aggressively with insurers to counter these tactics. They will collect compelling evidence to challenge unfair claims of shared liability. Strong legal representation ensures that insurers cannot exploit loopholes to increase your rates without justification.

Avoiding Unwarranted Claims on Your Policy

If you can prove the other driver was at fault, their insurance company should cover your damages instead of your own policy. This means you avoid filing a claim under your collision coverage, which would typically result in premium hikes. Your lawyer can communicate directly with the at-fault driver’s insurer to ensure they accept liability and compensate you accordingly.

The Long-Term Advantages of Establishing Fault

Proving liability does not just protect you from immediate premium hikes—it also safeguards your long-term insurance record. A clean claims history helps maintain lower rates, making future insurance renewals and policy shopping more affordable. Working with a skilled Texas car accident lawyer ensures that you are not unfairly penalized for an accident that was not your fault.

Get Our Proven Texas Car Accident Lawyers on Your Side

If you or someone you love has suffered injuries in an accident, you should get legal representation from our experienced Texas car accident attorneys at Trust Guss Injury Lawyers. Our staff is available 24/7 to receive your calls in-person. It only takes us about five minutes on average to determine if you have a good case for personal injury damages. To schedule your free consultation, call us 24/7 at 888-298-4070 or contact us online.