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by Anonymous on September 17th, 2004

Anonymous

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If my car was parked at the time of an accident, will my insurance premium still go up when I report it?

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Answers. 2 helpful answers below.

  • by RedJohn on December 3rd, 2005

    RedJohn

    Actually, accidents that are not your fault may definitely be tallied to your account. Insurance companies look at the risk that insuring you represents to them. The accident counts as an 'incident' that they were forced to settle. It wasn't your fault, but it did increase the risk they are taking in insuring you. If you have two or three such incidents, your rates will go up, because you will have proven to be a higher insurance risk than someone who had no claims. I've seen just this thing happen to people I know.

    This is the reason that insurance costs vary with where you live and where you operate your vehicle. Different locations represent different risks to them as insurers. If you live in and operate a car in a major urban area, your rates will certainly be higher than if you live in a rural area and operate your car there most of the time. Insurance costs also vary with the neighbourhood in which you live, let alone the city. Different locations represent different risks for claims such as theft.

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  • by Jay Shuffield on November 13th, 2004

    Jay Shuffield

    The short answer is no. However, it does depend on your insurance company and how many claims you have had. Claims that are not your fault generally are not held against you.

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