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Lori Said:

How much increase will I expect in my car insurance premium after an accident that was my fault?

We Answered:

you are looking at about 20-30% inscrease

Dolores Said:

Will your insurance premium go up if you are involved in accident but it is not your fault?

We Answered:

The answer is yes and no. It really depends on other factors that you're not specifying - like have you had any other accidents within the past three years or tickets where you were found guilty or placed on supervision. If yes to any of these then the answer is most likely as you are now a high risk driver. You may want to sue the person for the difference in rates if this happens as it would not have happened if not for their negligence.

Julia Said:

If your car is written off after an accident does your insurance premium go up immediately?

We Answered:

If your car is written off, the policy ceases there and then. It's because that policy covered that car, which is no more. When you find a new car, it will require a new proposal & your premium will depend on that.

Alex Said:

I am wondering if letting accident insurance lapse by not paying the premium show your credit report?

We Answered:

No. Insurance is a service, it's not a loan.

The only things that show up on your credit history involve lending you money and you paying it back (e.g. credit cards, car loans, mortgages, personal loans, etc.). This is the same reason that cell phones, water bills, and rent don't build credit.