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Anticipating a change in your insurance after a car accident

When you have been involved in a car accident in California, investigators will spend considerable time surveying the scene of the accident to determine whether or not you were at fault. If you were the driver who was responsible for causing the accident, you may be subject to a variety of consequences that may take time to correct. At Hildebrand, McLeod & Nelson, we have helped many people who have been involved in a motor vehicle accident. 

Once you have been notified that the accident you were involved in was your fault, one of your first concerns may be how this will affect your insurance rates going forward. Contrary to what many believe, being at fault in a car accident does not immediately cause your insurance to skyrocket. According to Esurance, insurance companies weigh several factors before they determine whether to increase your rates. They will look at reports of the accident to analyze the conditions and the behaviors that led to the accident. They will also look at your driving record and your involvement in any past accidents. 

You have the chance to eventually lower your insurance rates when your involvement in an accident is removed from your record. Recommitting to driving safely and reassessing how you can be a more attentive driver are some of the most effective ways of putting yourself in an excellent position to have a lower insurance rate in the future. 

When you understand the factors that are considered in deciding whether your insurance rates will be increased, you may feel better about the outcome of your communications with your insurer following your accident. For more information, if you have been injured in a car accident, visit our web page.  

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