After you have had an auto accident, it is almost a sure thing that your insurance rates will go up. Some companies will make this rate increase even if you were not at fault for the accident and this deems you a high risk driver- at least in their eyes. This hardly seems fair, and in all honesty, it really isn’t. However, you do not have to take this lying down. There is recourse you can take whether you were at fault or not.
If an accident occurs for which you are not at fault for, it is fairly easy to keep your rates down. When the accident first occurs, your insurance company will likely go up. The best way to make them stay the way they are is to ask. Most of the time they are just playing hardball with you so just stay at it and you will end up with what you want. Think of it like a baseball game. You are the pitcher and must throw the insurance company a curve ball by letting them know that you find it completely unacceptable that your rates went up due to the negligence of another driver. Let them know that you are ready to take your business to another company if they cannot return you to your previous rates. It really is just that simple. They do not want to lose you, and since the accident really was not your fault, they are much more likely to do what you request than they are to risk losing your business. In the end, they are just doing their jobs.
If you are at fault
If an accident was your fault, there are some things that you can do to ensure that your rates do not become excessive (at least as far as your personal budget goes). One accident does not automatically make you a high risk driver. Keep in mind though, that if you have been in several accidents that were your fault, the chances of you getting a low rate are slim.
The first step you can take is to negotiate with your auto insurance company. Talking is always the best place to begin. Sometimes it works and sometimes it does not. Then nature of the accident and your past driving history will affect the outcome of the negotiations. The best thing to do here is to state your case, give justification and ask for what you want.
If negotiations fail to get you what you want, you can try asking what else you can do to make your rate go down. Some insurance companies will give you credit for taking a safe drivers course. See if this is the case with your company. You can also elect to go with a higher deductible which will bring your premiums down. If your insurance company simply cannot help you, try going to another company. Not all of them are the same and one may be able to offer you something that another will not.
An accident can cause you some difficult days when it comes to your insurance. Do whatever you can to bring your rates down, but know that it may take a while to get to a place that you pleased with. For someone that can assist you with the claims process, give one of our licensed agents at Shift Insurance a call by dialing 562-714-9424
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