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Once the smoke clears and you’ve made sure you and the other people involved are okay, you might find yourself worrying about your insurance rates after an accident. In Scottsdale, depending on the severity of the incident and your insurer’s policies, car accidents can impact your insurance rates for three to five years, on average.
If you’ve been in a car accident and are considering hiring a Scottsdale car accident attorney, understanding how insurance rates work is essential, especially as you plan for long-term financial implications.
After an accident, insurance companies typically classify you as a higher-risk driver. Higher-risk drivers are often slapped with higher premiums. Every insurance company has its own criteria, but there are a few factors that can influence insurance rates:
How long an accident affects your rates usually depends on your insurer. Every company has an equation for how they calculate premiums, and in Scottsdale, it’s common that insurers take into account the last three to five years.
Where on this timeframe your record falls is affected by some of the previous variables. As a starting point, an insurer may only factor in accidents from the past three years, and after this period, accidents may no longer influence your premium. However, for more severe accidents or repeated claims from the same driver, an insurer may extend the penalty period to closer to or beyond five years.
Some insurers may also adjust their rates when a policy is renewed, so changes might not show up until then.
Even with an accident on your record, there are ways you can try to manage your insurance premiums:
If your accident has left you with injuries, financial strain, or muddy insurance implications, speaking with a lawyer can provide clarity and support. For example, if you find yourself asking why your car accident claim is going to arbitration in Scottsdale, it might be time to get some help. An experienced attorney can help you review the details of your case, explain your legal options, and make sure you aren’t the only one advocating for the compensation you deserve.
Navigating life after an accident can be difficult and overwhelming, but it’s not completely out of your control. An accident might affect your insurance rates for three to five years in Scottsdale, but by taking a driving course, avoiding future accidents, and considering other insurers, you can slowly improve your policy.
Also, remember you can always seek legal advice from Gage Mathers so you’re not alone as you try to get a handle on your finances and your future! If you want to learn more before contacting a lawyer, check out our post on whether a car accident is a civil case in Scottsdale.
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