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Will State Farm drop me after an accident?
I just bought car insurance through State Farm and I’m really worried about what will happen if I get in a wreck and need to make a claim. Like, what if they don’t want to insure me anymore? Will State Farm drop me after an accident?
Shannon Fitzgerald · Answered on Jan 06, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Fear not! The whole point of car insurance is to cover you financially when the worst-case scenario does happen. As such, State Farm won’t drop you after one car accident.
That said, they may label you as a high-risk driver if you get into multiple accidents within a short timeframe—in which case, dropped coverage is a possibility. Here are a few other serious situations that may cause State Farm to cancel or not renew your policy:
- Non-payment of your premiums
- Getting a DUI
- Getting your license suspended
- Insurance fraud
Essentially, as long as you maintain a good driving record, continue to pay your bills on time, and withhold from scamming State Farm for money, your coverage is secure even if you get into an accident and need to file a claim.
On the off chance that State Farm does end up canceling your coverage for reckless driving behavior, though, make sure that you line up a new policy ASAP. No one wants to suffer the insurance hikes that come with lapsed car insurance!
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