When you have been involved in a car accident in Alabama, a key concern will be how this will impact your Alabama car insurance. There is a chance that your premiums will go up. However, there are ways your insurance company can help.
At Insurance Solutions Inc. we want Cullman, AL to feel safe in their vehicles, and with their premiums, no matter what their driving record shows.
Alabama is an At-Fault State With Contributory Negligence
Alabama is an at-fault state for car accidents. That means that if you are involved in an Alabama car accident and are found to be liable or partially liable, you will be responsible for your share of the damages. Under Alabama’s contributory negligence laws, even if you are a little responsible, you won’t be able to recover damages from the other driver.
That means that your car insurance will go up if you don’t have additional protections on your Alabama car insurance.
Alabama Accident Forgiveness
Accident forgiveness is an add-on to your auto insurance policy that will help you to keep your rates the same when you have an accident. This is the case regardless of who is at fault in an Alabama car accident.
When you apply for Alabama car insurance, you may be eligible for accident forgiveness if you do not have a history of car accidents on your record, and do not have a claims history. Accident forgiveness from your insurance company means that for your first car accident for which you make a claim, your insurance company will forgive you by not increasing your premiums.
Without Alabama Accident Forgiveness
Not everyone is going to be eligible for accident forgiveness or will have used it when they are in a car accident in Alabama. Without it, an at-fault accident can impact your car insurance for up to ten years.
How it impacts your car insurance now will depend on your insurance company, and what percentage of an accident you will be at fault for. Your premiums will go up, but a good insurance company will help you to keep them as low as possible.
Get an Alabama Car Insurance Quote
If you are worried about your insurance premiums after an accident, or what could happen if you had one, Insurance Solutions Inc. serving Cullman, AL can help. Call us for a quote today.