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How Will a Home Insurance Claim Affect My Premiums?
- How will a claim affect my insurance premiums?
- Fault matters
- Who caused the accident is a major factor in whether or not an accident affects your premiums. If another driver caused the accident, you probably have nothing to worry about when it comes to your own insurance. But if you’re deemed to be at fault, you can expect the accident to be on your record—and affect your premiums up to six years.
- Accident Forgiveness
- With Accident Forgiveness, your premiums will not increase because of the accident—potentially saving you a lot of money in the long run. At the time you purchase your policy, you must have a history of safe driving without any accidents to qualify for this endorsement.
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