There are many things that can influence the price that a person pays for automobile insurance. One of the primary contributors, however, is an individual's driving record. Because car accidents occur with unfortunate regularity and at varying degrees of severity, nearly every situation is unique. In order to determine when an accident will affect an individual's policy there are a number of details that should be considered. Collisions that result in little or no damages may have no impact on a person's rates, while more serious situations will likely have the opposite affect. Additionally, motorists should consider who is at-fault for the accident as well as the frequency of vehicle related incidences.
The severity of an accident can have a considerable impact on the degree that one's coverage costs are affected. In many situations, low speed collisions or fender benders resulting in few or no damages may have no affect at all. Such occurrences may be regarded as unchargeable or entirely dismissed by one's policy provider. If damages exceed a specific amount typically $750 and people are injured as a result of the accident then the confrontation is likely to be reported to the state Department of Motor Vehicles and the involved motorists are likely to see negative alterations in premium prices. Many insurers determine how long accidents affect insurance rates and the degree of change differently, and oftentimes a motorist's driving record is a major contributor.
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