Things can get pretty hairy when you have a long record of accidents. Even if you weren't at fault. Most insurance companies don't hold an accident against your record for 5 years. After 5 years that accident is as if it never happened. However some companies like to keep that going on your record regardless of how long ago that happened. Just because it's there they want to keep that going.
In most cases if you weren't at fault then the accident will be on your record for 3 years. After a non at fault accident you need to be extra careful to not get in any accidents that are your fault becauseinsurance companies will look at how many incidents you have an not just who was at fault. If you have a not at fault and an atfault accident that will definitely hurt your insurance rates as if it were almost an at fault. What an insurance company will look for 3 incidents one ticket, one at fault and one non at fault and that will disqualify the policy from coverage but one ticket and one accident and that could keep the policy in effect.
These higher premiums due to accidents are called surcharges. Your driving record is a very important thing. If you're not very careful it can sneak up on your and cause your amounts to go up automatically.
In those cases if you're shopping for insurance be sure to contact your agent that knows what coverage and what policies are going to be the best due to an accident. In many cases Progressive is very helpful with accidents and tickets also Nationwide. Travelers doesn't allow for many accidents they don't allow for international drivers licenses like progressive does.
Talk to an agent who can help you find the best rates you can find and one that will be on top of when any accident or change to your policy can occur. Some companies won't change the premium when an accident falls off your record. Make sure you get an agent that will be on top of your policy in order to help that customer to get the best premium that they can.
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