How will my first accident as a teenage driver in Idaho affect my insurance rates?

"I wasn't paying attention when I backed out of a parking space and I hit someone's car. There wasn't much damage to either of our cars, but I gave the other driver my insurance information. What can I expect to happen now in terms of my rates and how will this whole insurance process work?"

“If you are set on going through car insurance (rather than settling out-of-pocket with the other driver), then you can probably expect a significant rate hike. This is because you are a teen driver without much experience and this will likely be considered an at-fault accident in the eyes of the insurance companies.
Both you and the other driver will contact your respective insurance companies. Once the other driver files a claim with their company, you can expect the insurance companies to handle the situation.
Your liability insurance should cover the damages to the other driver’s vehicle and your collision coverage, if you have it, will cover the damages to your vehicle should you choose to get it repaired.”
Sophie Newman
Answered on Jul 27, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

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