Securing Car Insurance After An Accident

Getting car insurance after an accident might seem like a challenge. However, it is possible to get car insurance in this situation. Here are the basics of how to secure car insurance after being a driver in an accident.

Time Frame

Before starting this process, you should know that no insurance company will be able to give you coverage for a wreck that happened before you were a customer. This means that you will have to have your car in working order again or purchase a new car before you can get car insurance from another insurance provider. No one is going to want to cover a wreck that occurred before they had your business.

Higher Premiums

When you start shopping for car insurance after you have had a wreck, you should expect to be quoted higher premiums. Now that you have had a wreck, you fall into a different category of drivers. Insurance rates reflect how you are grouped together with other similar people. For example, they will group you together with other people that are the same age as you. People that are grouped together by age tend to have similarities in the way they drive. Once a person has displayed that they can have a wreck, there is a higher likelihood that they will have a wreck in the future. Safe drivers tend to remain that way, which ultimately costs the insurance company less money over the long term.

Since you have entered into a new group, this means that every insurance company is going to quote you a higher price than they would have shortly before you had a wreck. 

Shop Around

You will need to make sure that you shop around with several different car insurance providers before making a decision. Even though you should expect to pay a higher premium overall, there will be differences from one insurance provider to the next. This means that you need to check with all of the car insurance providers in your local area as well as several insurance companies online. By shopping around, you will also be able to use insurance quotes to negotiate a better price with certain insurance providers. The car insurance industry is very competitive, and certain insurance agents will negotiate with you as best they can.

Paperwork

Once you find an insurance company to work with, you will need to fill out the necessary paperwork. You will have to fill out a form with basic information about your car and yourself. At that point, you will pay your premium, and the insurance company will provide you with documentation about your policy.

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