The reason why the majority of motorists purchase vehicle coverage is to be adequately prepared in the event of an accident. Being involved in a collision can often result in expensive vehicle repairs and medical costs, which are frequently covered by a motorists insurer. A vehicle owners premium is often closely linked to the drivers likelihood of filing a claim, which is why being involved in an accident frequently results in higher coverage costs. Insurers usually charge higher risk drivers more for insurance because of the increased chance that they may eventually file a claim. Alternatively, motorists who are able to maintain a clean driving record for an extended period frequently encounter cheaper rates.
In most situations, being involved in an accident affects auto insurance rates negatively because it demonstrates to the policy provider that the motorist in question is at a greater risk of filing a claim in the future. Certain incidents and behavior can also attract steeper coverage costs. Being at-fault for a collision, having ones license suspended or being convicted of driving while under the influence of alcohol can frequently demonstrate a tendency to participate in risky behavior. Some motorists are statistically more likely to file claims, like young and inexperienced drivers, and are consequently charged more for vehicle coverage. Being involved in a collision can increase a motorists rates in a number of ways, but for many drivers there are still ways to lower coverage costs.
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