The automobile insurance is one of the most important things which have to be done as and when you purchase any vehicle. The thing which should be taken care is that you should always drive carefully. The thing which is to be seen that whether the automobile accident affects the insurance rates or not? Then the answer is yes it really affects the car insurance or any automobile insurance rates.
If the accident is done by a teenager as he was driving the vehicle then the affect on the rates of the insurance are going to be very expensive or if the accident is of major type then the insurance company may not insure that teenager again. The first thing which the insurance agent will ask you to do is that the accident should not be reported to the insurance organizations as there will be loads of queries as to how and why the accident took place. The questions will be very tough and even if the teenager had no fault in the accident even then the fault of the teenager will be taken and not of the other person involved. Thus the car damage should be set right from your own pocket only but if the car accident is really of major type then it should be reported even though the rates go sky high.
The second thing is that the accident of the automobile will also have an affect on the insurance rates of the adult also. The insurance organization will see that what and how many accidental claims have been filed by the same person as the insurance company have to pay for the damage again and again. If you have filed some of the very expensive claims then the next insurance premium rate will be very high as you have become one of the most expensive customers and the loss will be got through you by getting the rates on high scale.
The car accident affect insurance rates and also you disqualify to certain discounts being offered for those customers who have never been involved in any type of miss happening. The other thing which should be taken care is that no one should file too many claim cases as the insurer can cancel your policy and once the person policy is canceled then it is difficult to get the insurance at best price from any other company also and in the end you will have to pay heavy insurance premium for your vehicle to get it insured.
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