Rear-end accidents can be extra frustrating because they often occur entirely without warning. Many Pennsylvania motorists wonder if involvement in such an incident will raise their automobile insurance rates. The simple answer to this inquiry is often yes. However, just how significantly rates go up will depend upon other important factors.
Rear-end accidents are often caused by speeding, distracted driving, slowing down too fast or engaging in some type of potentially dangerous maneuver.
Determining Fault
In many instances, the motorist who drove their vehicle into the car that was rear-ended is deemed at fault for causing the accident in question. That said, this is not always the case.
The Modified Comparative Fault Principle
The State of Pennsylvania adheres to a civil law principle known as modified comparative fault. This means that both parties can be found partially responsible for the accident.
If the driver of the car that was rear-ended contributed to the cause of the accident, they will be assigned a percentage of the fault. If they are found at fault, they will receive less compensation as a result of the damages.
Moreover, should said party be ruled be more than 50 percent to blame, they would not be entitled to collect any damages.
The Connection to Insurance Rates
Submitting any type of accident claim could increase a policyholder’s premiums. However, an insurance company, much like an adjudicating body like a judge or jury is more likely to punish the motorist based upon their perceived level of negligence in the incident. Therefore, if said individual shares a discernible percentage of the blame, their insurance premiums stand a good chance of increasing significantly.
Responses Motorists Can Execute
Fortunately, motorists hit with increased insurance rates following an accident may be able to save money on associated expenses by practicing tips, such as:
Check Insurance Policy for Accident Forgiveness Clause
Certain policies might include said provision along as part of the motorist in question’s policy. Other entities might add to an existing policyholder’s account if they had a clean record otherwise.
Alter an Existing Policy
Sometimes, an insurance holder might be able to reduce their costs by tweaking an existing policy. Arguably, the most discernible change one can make is to raise their deductible. For example, increasing their deductible from $500 to $1,000 could lower their rates significantly. Other cuts that could be made including eliminating comprehensive coverage or reducing liability coverage.
Look for A Different Company
Every company is different. Certain insurers may view incidents and circumstances differently than other entities and charge accordingly.
Take A Driving Class
Sometimes, insurance companies will view making a concerted effort to improve one’s driving skills or recover from an accident favorably. In such circumstances, impacted drivers might consider enrolling in a driving class.
For more information contact The Pearce Law Firm, Personal Injury and Accident Lawyers, P.C.