Does Being in a Car Accident Affect My Insurance?

car accident

Whether minor or severe, accidents occur daily on the busy Atlanta highways and city streets. These collisions are inevitable due to negligent drivers, distracted road users, bad road conditions, inclement weather conditions, etc. If you are involved in a car accident or would like to know how being in a car accident affects your insurance, speak with an Atlanta auto accident lawyer to discuss your legal options.

Being in a car accident can result in expensive medical bills for injuries sustained and the cost of repairs for vehicle damage. In addition, you might still face vehicle repair bills even if you were not hurt. Therefore, even if you maintain a safe distance and speed, you should get adequate auto insurance.

Auto insurance coverage provides financial protection for you and possibly others if you are involved in a collision. However, being in a car accident can cause your insurance rate to increase, especially if you were the at-fault driver. For this reason, people fear reporting a car accident to their insurance providers. This article addresses your fears and the question of whether a car accident can affect your auto insurance.

Understanding Your Atlanta Auto Insurance 

Your auto insurance policy consists of multiple coverages that protect you in the event of a crash. This policy covers accidents, liability, property, medical expenses, and vehicles. However, insurance policies have different limits and may also have deductibles.

Georgia requires drivers to have liability insurance that meets the minimum legal requirements. This insurance helps to pay damages to others on your behalf if they are injured or their property is damaged in a car accident caused by you. 

The minimum limits required under Georgia law are:

  • $25,000 for bodily injury liability per person 
  • $50,000 per incident, and 
  • $25,000 per property damage.

You will cover the excess if you cause more damage that exceeds your insurance coverage. Additionally, there are other optional types of insurance coverage, like those that pay for damages from uninsured or underinsured motorists.

An Atlanta Auto Accident Lawyer Explains “Fault” in Auto Collisions

Georgia is an “at-fault state” regarding auto insurance. This means that the negligent driver who caused the crash is liable for the injuries and losses incurred. When a car accident occurs, the insurance company for each driver will determine which party was responsible. If one driver is determined to be 100% liable for the crash, they bear the liability for the car accident.

However, it may not always be clear who is responsible for the crash. In some circumstances, both drivers may have contributed to the crash. Where this is the case, Georgia’s comparative fault rule will apply. 

Under the rule, a person injured in a car accident can recover compensation if they are not more than 49% at fault for the crash. If they share 50% or more blame, they lose their right to recover compensation. 

The victim has three options for seeking compensation to cover damages and injuries from the at-fault driver:

  • File a first-party claim with their insurance provider
  • File a third-party claim with the at-fault driver’s insurance company
  • File a civil lawsuit against the at-fault driver

Our lawyers can help you determine the best option in seeking the maximum compensation you deserve. 

insurance claim, Atlanta auto accident lawyer concept

Do I Have to Report a Car Accident to My Insurance Company?

Georgia law requires you to report to the police if you are involved in a car accident resulting in injury, death, or property damage totaling more than $500. Even if nobody was visibly hurt, property damage could easily exceed $500. Therefore, it’s best to report the crash.

The law enforcement officer in charge will fill out a traffic accident report and submit it to the Georgia Department of Public Safety. This report determines who is at fault and liable for the crash.

In addition, your insurance company requires you to file a report after a car accident.  Most insurance policy includes a Notice of Occurrence Clause, which requires you to notify and cooperate with the investigation whether or not you are at fault. If you fail to do so, you could lose all coverage for the accident.

How Does an Accident Affect My Insurance Premium in Atlanta?

Insurance rates can increase for various reasons, such as the cost of filing the claim, the additional risk involved, etc. There is no simple answer when asking whether your insurance will increase after a crash. Your insurance premium can increase based on factors such as:

  • Driving history
  • Fault in the collision
  • How severe the crash was
  • The amount of the accident claim
  • The presence of accident injuries, etc.

There are other factors aside from the above that might affect insurance premiums. Ensure you carefully study your insurance policy to know what they are. Ask the insurer for clarification or an Atlanta auto accident lawyer if any term is unclear. 

Are There Situations Where My Insurance Premium Will Not Increase?

The following are situations where your insurance premium may or may not increase: 

  • If You Were Found to Be at Fault for the Collision

If you are found to be at fault for a crash, it may cause your insurance premium to increase. Again, this is one of the reasons why people fear reporting the car accident to their insurers.

The national average rate increase is 45% after a crash with property damage and 47% for accidents resulting in bodily injuries. However, if your percentage share of the fault is below 50%, your insurer may decide not to raise your rates.

Additionally, your premium will likely be affected if the other driver files a claim against your insurance company.  So it is up to your insurance company to rate your risk.

  • If You Are Involved in a Crash But Did Not Cause It

If you are a victim of a car accident and not the cause of it, your insurance premium should not increase. This is because Georgia law prohibits insurance carriers from raising premiums if you did not cause the crash.

Speak With Experienced Atlanta Auto Accident Lawyers Today!

It is not unusual for motorists in Atlanta to worry that if a car accident occurs, it will increase their insurance rates. While this can happen, particularly if you were responsible for the crash, it is not always the case. You may still be able to keep your insurance rates low.

If you are hurt in a crash or blamed for causing it, consult with a lawyer as soon as possible. At The Weinstein Firm, we will investigate the car accident to determine fault and liability. We will also ensure the at-fault party is held fully responsible for the crash.

Contact our firm today for a free case review with our injury attorneys in Atlanta.

Latest Posts

Car Accidents in Bad Weather: Liability and Insurance Issues
Car Accidents in Construction Zones: Understanding Liability and Compensation
What Happens When Bus Company Negligence Leads to an Accident?
Motorcycle Road Hazards: Potholes, Gravel and Liability in Georgia
Get the compensation
you deserve $$$

Local Auto Accidents

  • Atlanta
  • Conyers
  • Decatur
  • Kennesaw
  • Lawrenceville
  • Morrow
  • Watkinsville

Atlanta traffic: All lanes blocked on I 85 South Gwinnett County  11Alive.com WXIA [...]

Driver killed in wreck involving garbage truck in Stonecrest  FOX 5 Atlanta [...]

16-Year-Old Boy Becomes 5th Student from Georgia High School to Die in Crash This School Year  PEOPLE [...]

I 20 traffic Atlanta crash before I 285 lanes closed | 11alive.com  11Alive.com WXIA [...]

Lakeside High School students involved in deadly DeKalb County crash  FOX 5 Atlanta [...]

16-year-old student dies in crash, marking Lakeside High's fifth traffic fatality this school year  Decaturish.com [...]

3 Dead In Fiery South Fulton Crash Involving Slingshot: Reports  Patch [...]

2 killed in multi-car crash in DeKalb County  WSB Atlanta [...]

Police allege that Lakeside High student was driving under influence before fatal crash  Atlanta News First [...]

Police allege that Lakeside High student was driving under influence before fatal crash  Decaturish.com [...]

Two pickups crash killing woman and injuring four other people  Online Athens [...]

Athens man killed in vehicle vs pedestrian accident on Commerce Road  WGAU [...]

Watkinsville man killed following truck crash on Commerce Road  Online Athens [...]

Daniel Thomas “Danny” Roland  Now Habersham [...]

Oconee Blotter: Car break-ins reported, guns, cash, computer stolen  Online Athens [...]

Clayton County: Stolen ambulance chase leads to crash near Tara Boulevard, Dixon Road  FOX 5 Atlanta [...]

Ways To Reduce Parent Anxiety About Teen Driving – Forbes Advisor  Forbes [...]

Teenage car break-in suspect in Gwinnett County struck by vehicle  FOX 5 Atlanta [...]

Teen caught breaking into cars runs, gets hit by a car and critically injured, police say  WSB Atlanta [...]

Georgia state trooper dies after being hit by car while investigating fatal pedestrian crash on I-75  Atlanta News First [...]

Car takes off from traffic stop, crashes into 2 houses in Cobb County  Atlanta News First [...]

5 injured, including 10-year-old, in Cobb County crash, police say  WSB Atlanta [...]

Collision on Cobb Parkway results in multiple injuries including two serious and another life-threatening  Cobb County Courier [...]

I 75 North traffic near Kennesaw slowed vehicle fire  11Alive.com WXIA [...]

19-year-old motorcyclist killed in crash; speed likely a factor, Cobb County police say  WSB Atlanta [...]

Breaking: Gwinnett PD seeks witnesses in 2 crashes resulting in 4 fatalities, including 2 children  Monroe Local News [...]

Child dead after being hit by car in Mall of Georgia parking lot, 2 others injured, police say  WSB Atlanta [...]

4 Dead, At Least 3 Injured In 2 Gwinnett Co. Crashes  Patch [...]

Car Crash In Peachtree Corners Leaves 3 Dead, 3 Injured  Gwinnettdailypost.com [...]

1 driver fighting for life after Grayson Highway wreck shut down roadway for hours  FOX 5 Atlanta [...]

Who Has the Cheapest Car Insurance Quotes in Georgia in 2024?  ValuePenguin [...]

Victim ID'd in fatal crash at Tobacco Road, Woodcock Drive  WRDW [...]

I 20 traffic Atlanta crash before I 285 lanes closed | 11alive.com  11Alive.com WXIA [...]

Conyers police officer released from hospital after being injured during chase  FOX 5 Atlanta [...]

Conyers officer discharged from hospital after injury in chase, crash, police say  WSB Atlanta [...]

Free Case Review
Weinstein law firm logo
Let's get started with your FREE consultation