Does one little accident affect my insurance rates? | How To Insurance | 022

 

Hi, I’m Peter!

Welcome to HOW TO INSURANCE

Helping YOU understand insurance, 

building CONFIDENCE for your future! 

Today, we are talking about...

Does one little accident affect my insurance rates?

It was only a fender bender! 

It wasn’t “really” my fault... you’ll never believe what happened! 

My son drove my car and hit someone in the parking lot. Is that my fault? 

These are some of the things I hear from clients all the time… and I get it. It makes sense. You have car insurance in case you’re in an accident. Then the second you are in a small accident, it feels like the insurance companies use that as an excuse to jack up your rates! 

It’s true. Sadly. 

Even one small car accident CAN raise your insurance rates. 

I wish it wasn’t true, but it is! 

Insurance is all about managing risk.

When you’ve cost the insurance company money, you are flagged as a “higher risk” sometimes for 6 years or more! 


Answer: 

Add “accident forgiveness” to your Auto Insurance!  

You’ve probably seen this on the TV commercials...and I highly recommend it! 

Accident Forgiveness is a new feature that many insurance carriers offer now. You’ll pay a little more for it… but without it, one insurance claim can cost you a whole lot more in future premiums, then you would pay for “accident forgiveness.”

This is another reminder that just chasing after the lowest insurance rates, isn’t really in your best interest. It’s a short term gain for a long term loss. 


Bottom Line… Don’t get in an accident! :-) 

But if you do, I hope you had “accident forgiveness” as a feature on your auto policy!

At Apple Insurance Solutions,

We all want to protect what matters most to us in life, 

but finding the right insurance can be confusing. 

So I make it simple. 

As Your Insurance Broker, 

All your insurance is covered in one relationship,

saving you time and

building confidence for your future. 

If this was helpful to you, please: 

  • “Like and Share” this post

  • Follow me on social media (@appleinsurancesolutions)

  • Contact me at peter@appleinsurancesolutions.com

Also, keep in mind, that as Your Insurance Broker,

I offer insurance for auto, home, life, health, medicare, umbrella and business… when you work with me, all your insurance needs... are in one relationship.

Thank you for reading HOW TO INSURANCE

Helping YOU understand insurance, 

building CONFIDENCE for your future! 

PETER D JOHNSEN

Insurance Broker | Apple Insurance Solutions

360.818.4865 | appleinsurancesolutions.com  

Auto | Home | Life | Health | Medicare | Umbrella | Business 


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