When you get into a car accident, your primary concern is the wellbeing of you and any passengers. You may also worry about figuring out a way to get home if your vehicle is no longer in a drivable condition.

With so much on your mind, it is easy to make mistakes following a collision. However, what you say and do can affect your insurance claim, which in turn can influence what will happen to your premium.

Factors that affect your insurance rate

Getting into an accident does not automatically raise the cost of auto insurance. Whether it does and by how much depend on multiple factors:

  • Who your insurer is
  • How long you have been a customer
  • How many accidents you have gotten into before and how recently
  • How much damage there is to the vehicles and any other property
  • Who was responsible for the crash
  • What injuries anyone sustained and how serious they are
  • What other relevant circumstances contributed to the incident (such as drunk driving)

While those who are fault for accidents are likely to see an increase, even those who are not may if they have been in many accidents. Massachusetts tends to be among the states with the highest price spikes, with one estimate being a 72% increase on average.

How to keep down your prices

The most important thing to remember is not to talk to your insurance company right away. You should report that you were in an accident, but do not give any details until you have received legal guidance. Insurance companies can misinterpret your words or use them against you.

Be careful what you say at the scene of the accident as well. Do not admit fault. You may not even be aware of factors that played a role in the collision. This is why it is helpful to talk to any witnesses.

Your insurer may offer accident forgiveness. If not, and your premium goes up drastically, it may be time to shop around for a new provider.