Affordable Car Insurance Options Following an Accident

Impact of Accidents on Insurance Rates: Car insurance rates can increase by 30% to 70% after an at-fault accident, with elevated rates lasting typically three to five years, depending on the severity of the crash and the driver's history.

Types of Car Insurance Coverage: Key coverages include liability insurance, uninsured/underinsured motorist coverage, personal injury protection, and collision insurance, each serving different purposes in protecting drivers and their vehicles after an accident.

Accident Forgiveness: Some insurers offer accident forgiveness, which can prevent rate increases after a first minor accident, but eligibility and terms vary by company.

Steps to Take After an Accident: Important actions include checking for injuries, moving vehicles if possible, exchanging information with the other driver, documenting the scene, and promptly contacting your insurance company.