Call Us 713-681-1967 ☰ ˟
Pay Now My Policy Español
Logo
social icons social icons

Since 1999

713-681-1967
Google+ Facebook
  • Home
  • Insurance Products
    • BondsImage of right arrow
      • Bond Request Form
    • SR-22 InsuranceImage of right arrow
      • Auto Insurance Quote
    • Car InsuranceImage of right arrow
      • Auto Quote Form (short)
      • Mexican Auto Insurance
    • Motorcycle InsuranceImage of right arrow
      • Motorcycle Insurance Quote
    • Limousine
    • Trucking Insurance
    • Commercial Auto InsuranceImage of right arrow
      • Commercial Auto Insurance Quote
    • Commercial Property Insurance
    • General Liability InsuranceImage of right arrow
      • General Liability Quote Form
    • Contractors InsuranceImage of right arrow
      • Contractors Insurance Quote Form
    • Business Insurance
    • Umbrella
    • Workers CompensationImage of right arrow
      • Workers Compensation Quote
    • Home InsuranceImage of right arrow
      • Homeowners Insurance Quote
    • Renters InsuranceImage of right arrow
      • Renters Insurance Quote
    • Flood InsuranceImage of right arrow
      • Flood Quote Form
    • Health Insurance
    • Professional Liability Insurance
    • Errors & Omissions
    • Tax
  • Locations
  • Blog
  • Reviews
  • Join Our Team
  • Claims
Home > Blog > Will Your Car Insurance Rates Go Up if You Damage Another Person’s Property
WEDNESDAY, JANUARY 23, 2019

Will Your Car Insurance Rates Go Up if You Damage Another Person’s Property



Car insurance rates depend on many factors. In most cases, insurance companies consider how likely it is that they will have to pay out a claim to you. Various reasons exist for this, such as the value and type of car you have. If you damage another person’s property, and the insurer pays for it, your rates could go up, as well. Why does this happen?

Filing a Claim Increases Risks

Any time you have to file a claim with your auto insurance company, the company raises your risk level. Individuals who file a claim are more likely to file another claim in the future. As a result, it is likely your rates will climb because the insurer has a higher cost risk by insuring you.

There are a few limitations here, though. Many insurance companies do not raise rates the first time you file a claim. This is especially true when the incident is not your fault or when there was no malicious intent. However, if you prove to be a reckless driver, this is different. In this situation, your agent may cancel your policy or raise your rates depending on the incident.

Fault Matters Here

You are in a car accident in which another car hits you. Your vehicle moves to the side suddenly, damaging a person’s home. You did not cause the damage to your car. Therefore, your insurance company likely won't hold your responsible for any of the damage. Your car insurer is likely to work to get compensation from the driver of the other car to cover the damage to both your car and the home as well. In short, your insurance company works to defend you here. If you are not at fault, your rates are not likely to go up. Most of the time, the police determine fault at the scene.

Your Record Matters, Too

As noted, reckless driving charges are likely to increase the likelihood your car insurer will raise your rates. This means if your driver’s license has more points on it because of the incident, you may end up paying higher rates.

The good news is your auto insurance agent is likely to be fair. They'll help you look for ways to still save on your policy as you can. In some cases, you may be able to get your rates to come back down over time, too, by being a safe driver.

WE AT A-BEST INSURANCE CAN GIVE YOU A GOOD RELIABLE RATE PLEASE GIVE US A CALL AT 713-681-1967.
Posted 9:37 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2016
  • 2015
  • 2013
  • 2012

  • auto insurance(8)
  • renters insurance(4)
  • insurance(4)
  • home insurance(4)
  • flood insurance(3)
  • auto(3)
  • mexico insurance(2)
  • homeowners insurance(2)
  • car insurance(2)
  • commercial insurance(2)
  • surety bonds(2)
  • commercial auto insurance(2)
  • commercial auto(2)
  • floodinsurance propertycoverage insurance homeowner(1)
  • bonds(1)
  • teen driver senior insurance rates(1)
  • sr-22 liability texas(1)
  • driver license penalties texas insurance(1)
  • teens(1)
  • motorist(1)
  • texas contractor general liability construction(1)
  • driver(1)
  • mexico auto insurance(1)
  • obama care(1)
  • new business insurance liability prepare texas(1)
  • autoinsurance(1)
  • general liability(1)
  • mobile home insurance discounts coverage(1)
  • contractors insurance(1)
  • commercial(1)
  • texas liability auto insurance(1)
  • college student renters insurance auto(1)
  • claims(1)
  • home insurance a-best insurance why need(1)
  • health care(1)
  • commercial imnsurance liability(1)
  • motorcycle insurance(1)
  • mexican insurance liability full coverage safe travel(1)
  • coverage(1)
  • renters insurance texas coverage(1)
  • insurance coverage(1)
  • contractor insurance(1)
  • travel insurance(1)
  • uninsured(1)
  • business insurance(1)
  • lower(1)
  • liability insurance(1)
  • small business insurance(1)
  • texas tx motorcycle insurance coverage penalties(1)

View Mobile Version
Facebook
Google+
Get Directions
Contact Us Today
Contact Us
Resources
Products
Pay Now
About Us
Customer Service
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 7731 Long Point Rd, #1
Houston, TX 77055

O: 713-681-1967
© Copyright. All rights reserved. Powered by Insurance Website Builder