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Does Your Insurance Go Up After an Accident?

The Car Accident Lawyer and Personal Injury Attorney Jonathan Perazzo Answers the Question:

Does my insurance go up after an accident?


Getting into an accident will most likely increase your insurance premium, probably regardless of fault depending on the insurance provider. 

Here are some more factors that might increase your insurance premium or lead to insurance companies charging you more for coverage:
  • Credit score: If you're a risk to financial institutions, then you're probably a risk to insurance companies.
  • Your job: Some insurance providers may consider your job is high risk and lead to an accident.
  • Moving Violations and Tickets:  A single ticket can increase your premium by 28%.
  • Driving sports vehicles: Low safety rating or theft potential can lead to higher coverage costs.
  • Drivers under the age of 25 and over 60 will pay more for insurance. 

Click HERE for watch information video


Motor vehicle insurance coverage is a fundamental aspect of responsible car ownership. It provides financial protection and peace of mind in the event of accidents, theft, or other unforeseen circumstances. Understanding how insurance premiums are affected after an accident is crucial for policyholders.

Motor vehicle insurance typically encompasses various types of coverage, each serving a specific purpose. Liability insurance, for instance, covers the cost of damages to other parties when you are at fault in an accident. It helps pay for the repair or replacement of the other driver's vehicle and covers their medical expenses. On the other hand, collision insurance covers damages to your own vehicle resulting from accidents, regardless of fault. Comprehensive insurance extends coverage to non-collision incidents, such as theft, vandalism, or natural disasters.

One of the most significant concerns for policyholders is how an accident impacts their insurance premium. When you are involved in an accident and file a claim, your insurance company assesses the situation to determine fault and the extent of damages. If you are found at fault, your premiums are likely to increase. This is because insurance companies view at-fault accidents as an indicator of higher risk, and thus, they adjust your premium to reflect this increased risk. The specific increase varies depending on factors like the severity of the accident and your driving history.

If the accident is not your fault, your premiums may remain stable, as your insurer typically does not penalize you for circumstances beyond your control. However, making multiple claims in a short period, even if not at fault, can still lead to premium increases, as it suggests a pattern of risk.

It's essential for policyholders to strike a balance between filing claims when necessary and avoiding unnecessary claims that can lead to premium hikes. Many insurance providers offer accident forgiveness programs that prevent your first at-fault accident from affecting your premium, but this benefit varies by company.

In conclusion, motor vehicle insurance coverage is a critical aspect of car ownership, offering financial protection in the event of accidents and other unforeseen events. While accidents can lead to an increase in insurance premiums, policyholders can manage their premiums by driving safely and using their insurance judiciously. It's crucial to review your policy and discuss options with your insurance provider to ensure you have the right coverage for your needs and budget.


Jonathan Perazzo, founder at the Perazzo Law Firm and a dedicated Miami Car Accident Lawyer, serves individuals and families who have suffered injury due to the negligence of others. With a deep understanding of the emotional toll accidents can take, our firm is committed to helping those in need.

Our news blog is designed to keep you informed on the latest personal injury cases and legal developments. We aim to raise awareness of the injury and loss of life that occurs in our community by sharing information from publicly available sources. However, please note that the information shared in our blog has not been independently verified, and the photos depicted are not necessarily representative of the actual event. If you notice any inaccuracies, please bring them to our attention for correction.




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Client Reviews
Mr. Perazzo and his legal team are by far the best thing that could have happened to me after my accident. I felt devastated after being injured and Jonathan Perazzo brought a sense of relief to my woes. The expert legal advice and support I received from the Perazzo Law staff helped me to get on with my life as they handled all the legal matters. I am 100% satisfied. Thank you so much Jonathan and the Perazzo Law team! Henry R.
I am very happy! My accident made me very sad. Jonathan Perazzo helped me so much. He is the Best! During the whole time, I felt that Jonathan (JP) is my friend and not only my lawyer. I don't want to have another accident, but if I do, I want JP and his firm to take care of everything again. Thank you very much to all the team! Antonio P.
Jonathan Perazzo is an excellent lawyer and his team works in a such a professional way. Also, they helped me understand things about my case that I didn't understand. I am very happy with Perazzo Law and the results they got for me. There is nothing bad I can say about Perazzo Law. Jorge L.