Not exact matches
A driver's use of a credit card does not factor in to the traditional way of coming up with a rating, which instead uses age, driving record, ZIP code, sex, marital status and three - year
history of at -
fault accidents.
In addition, having an at -
fault accident on your record will increase your insurance premiums by 50 per cent, and a
history of careless driving is likely to drive those premiums even higher.
While your «claims
history» may have some bearing, if the
accident was not your
fault, it is hard to see how or why the carrier would hold that against you.
Whether your insurance rates will increase after an
accident often depends on who is at -
fault in the crash and your driving
history.
If the
accident is not your
fault, it's the first in which you've been involved, and your driving
history is free of moving violations and / or insurance claims, you may have no premium increase at all,
Insurance companies rarely give concrete answers to the question because they use many factors determine a rate increase, including a person's driving
history, who was at
fault in the
accident and how serious the
accident was.
Accidents happen, but this means trying to ensure that your driving
history is free of traffic convictions or collisions where you have been at -
fault.
However, several factors play into the rate decision, including the severity of the
accident, your driving
history, who's to blame, whether you're no -
fault and your policy's details.
Mind also that
history of past
accidents, malpractice or other
faults greatly increases the cost of Liability Insurance.
Drivers may need to seek out high - risk auto insurance options if anything on their record elevates their risk assessment, whether it's a DUI / DWI, an
accident where they were at
fault, or a
history of claims.
If you have a poor driving
history with
accidents where you were at
fault, traffic citations, misdemeanors, DUIs, or other infractions, you'll have a harder time finding an insurance that is willing to insure you at a low rate.
Most people seem to be proud of the 33 - year
history in Michigan's no -
fault insurance, where people of all ranks were assured of state - of - the - art coverage in the event they are involved in a catastrophic
accident that may change their lives forever.
Your driving record contains information on your past traffic violations, at -
fault accidents, and out - of - state driving
history, and can be used:
However, if you try to drive safely from the day you obtain the driving license, then you would be able to explain to the insurance company that you had not been at
fault in the
accidents involved in your driving
history.
The information included on your Massachusetts driving record includes full name, driver's license number, date of birth, past traffic violations, at -
fault traffic
accidents, and out - of - state driving
history (when applicable).
While some states note the party at
fault for
accidents, Nebraska merely lists
accident history.