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Does reporting an accident to your insurance increase your rates?
"Since my car is old, should I report the incident to my insurance company? If I do, will it raise my rates? I have a 2003 Ford Escape and was hit by a truck trying to merge onto the highway."
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Regardless of fault, any accidents reported to your
car insurance
or listed on your driving record can impact your rate. If you’re at fault, it will also depend on what type of insurance coverage you have. Without
collision insurance
, you would be responsible for the damage done to your vehicle. If the other driver is at fault, their insurance should cover any damages.”
View full answer
- Gregory R.
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