Auto and Car Insurance - Can your Auto insurance go up 2years after accident?

Can your Auto insurance go up 2years after accident?

I have Allstate Insurance; I have been driving since I was 16. A few weeks after I got insured by Allstate I got into a roll over and totaled my 2000 Explorer with 3 of my friends one 16, one 18 and one 15 and including myself. I Didn’t hit anyone or anything and I could have them billed for the towing but I paid for it myself and …my mom got another truck for me because I didn’t want my insurance going up. Because I only been insured with them for only a few weeks. So they didn’t pay for anything. I called them up just to let them know. And the lady said well my insurance wouldn’t be going up or anything because they didn’t have to anything. I filled out all the police report papers and paid for all of my tickets...which was 6 tickets(driving without a license, Speeding, Not Yielding, Endangerment of a child because my friend 15 years old sister was with us, failure to keep right, and reckless driving)..I only had my permit that’s why I got the driving without a license. But anyway Everything was all good until about 2-3months I renewed my Allstate insurance and I was shocked that it went up after the accident I had 2 years ago. Why is that?

Public Comments

yes -- consider Liberty Mutual
first of all, i'm not sure how u have an insurance policy of your own w/ out a drivers license, but that's besides the point. yes, your rates can increase 2 years later. what happens is that since u had just gotten the policy, the company had just run all your reports. most companies won't run reports every time your policy renews b/c it costs them money. so, 2 years later when they re-ran your report, your accident and violations all showed up and they increased your rate. the good news is that if you're in a state that has a 3 year experience period, you won't be paying extra for very long. insurance companies can't back-charge you. another thing, you're pretty lucky they didn't cancel you.
Well, insurance doesn't go up the second you have the accident - it goes up the year after (on the renewal date) your policy pays out. So clearly, they didn't pay out until sometime AFTER the first year. now you'll have the surcharge for 3-7 years, depending on what state you live in.
DId it go up because of the accident or just because there was a rate increase in your area? If they did not pay anything they should not be rating you for the accident. 6 tickets might have an influence on your rates. Call your agent and ask what is going on.
No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://www.knowledged.info/go.php?link=insurance Good luck.
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When your car insurance renews, sometimes they run your driving report. It sounds like Allsate did that and your ticket came up. Regardless of whether or not Allstate paid anything for your accident, you're now considered a higher risk to them and they're charging you more. Most companies will charge you a more expensive rate for 3-5 years from the date of the ticket. Consider yourself lucky they didn't rate you sooner and remember all other companies will do the same for 3-5 years.
If you want their insurance pay the bill, no matter what anyone on here will tell you ,you can't change the insurance co. minds.
The amount of an auto insurance increase in premiums after two years of an accident will depend on a variety of factors such as state law and your insurance company rating plan so it is difficult to give an actual average amount. Besides these first 2 factors, a rise in rates can also depend on the nature and severity of your vehicular accident and who is found to be at fault. A minor accident may be forgiven under state law or by an insurance company, especially if you are not found to be at fault. Some companies have a "forgive the first accident" policy but the qualifications for this and if this is available differ from insurance company to insurance company. If you have had a good record, and you have been with a particular company for more than five years, there are some car insurance companies that will not increase your rates if you are found to be at-fault in a relatively minor vehicular accident. If instead you were driving drunk or were racing on the street and have an accident, you are likely going to be getting a big rise in your insurance premiums. There could be severe insurance and legal consequences if there is a major accident with serious bodily injury and you are the at-fault driver. There could be a dramatic increase in insurance rates or even a cancellation of coverage, subject to state law. To find out how much your insurance could go up after being involved in an accident contact your current insurance provider for an explanation of their rating system. Also insurance companies must file their rates with the state's insurance regulator, you can contact them for information on your provider's rating system.
That's what they have to tell you. See if you can appeal it. I guess because of the charges, they can, but you let them tell you why.....bettyk