Car Insurance Costs After An Accident

In California, there are thousands of car accidents each year and, according to the Office of Traffic Safety, approximately 3,000 people die in these accidents annually. Fortunately, for all involved, a majority of car accidents are not deadly but they do cause serious injury and property damage. The costs for repairing your car after an…
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Car Insurance Costs After An Accident

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In California, there are thousands of car accidents each year and, according to the Office of Traffic Safety, approximately 3,000 people die in these accidents annually. Fortunately, for all involved, a majority of car accidents are not deadly but they do cause serious injury and property damage. The costs for repairing your car after an accident can add up, and it is important to be sure that you are receiving the compensation you deserve if the accident was not your fault.

How much will my car insurance payment increase?

For some, the injuries received in a car accident are minor and the big question is how their insurance policy will be affected. The answer to this question will vary depending on the specific facts of your case. Several factors will determine how much your insurance premiums will increase, including:

  • How bad was the accident?
  • Were you at fault?
  • Where did the accident take place?
  • Was anyone injured?

This list is not exhaustive. A car accident lawyer can also answer your questions and help you seek the compensation you need to pay for increased premiums. Read on for more information about car insurance and post-accident increases.

Where You Live

Your zip code may have an affect on the cost of your car insurance. The average American pays $1,470 each year for car insurance. The average cost of minimum-coverage car insurance in California is $574 per year, or $48 per month. For a full coverage auto insurance policy in California, the average cost is $1,804 per year, $400 per year more than the national average.

Types of Car Insurance

A policy holder in California can choose between a number of options, including minimum coverage insurance or full coverage. While minimum-coverage car insurance does meet California's minimum legal requirements, it doesn't include include comprehensive and collision insurance, which protects you from vehicle damage following a collision, theft, vandalism or natural disaster — regardless of who's at fault. Full coverage car insurance policies include comprehensive and collision insurance, which reimburse property damage to your automobile following most accidents, thefts, natural disasters and vandalism.

The average difference in cost between full- and minimum-coverage car insurance in California is $1,230 per year, or $102 per month, in savings.

Were You At Fault?

Your insurance premiums will likely increase if you are the driver who caused the accident. In fact, after one at-fault accident causing more than $2,000 in damages, your car insurance rates are expected to increase by about 30%. Drivers who cause an accident that results in bodily injury can expect to pay slightly more. The amount your rate will increase after an accident or multiple accidents will ultimately depend on the terms of your insurance policy. The specific personal or property damages resulting from the accident will also influence the amount rates are increased.

What if the accident wasn’t your fault? Some insurance companies will raise your rates anyway, particularly if you’ve had multiple accidents. They may even raise the rates if you were not at fault for any accident you were in. In fact, getting into multiple accidents—regardless of fault—could result in your insurance company completely dropping you from coverage. This feels particularly unfair, and an experienced accident attorney may be able to assist you.

For a free, no obligation consultation about your case, contact our experienced attorneys at Ghozland Law Firm today.

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Our employment & personal injury attorneys recognize that the individuals we work with are typically going through overwhelming and stressful times in their lives. When an individual hires us, we strive to provide the client with the strong legal representation and effective counsel they need to receive fair and just compensation. Our experienced attorneys are dedicated to helping our clients in their time of need. Our employment & personal injury team is comprised of well-respected lawyers who have been involved in several multi-million dollar settlements, earning us membership in the Million Dollar Advocates Forum®. This further demonstrates our ability to take on complex accident cases.

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I was involved in an automobile accident 6 months ago, I didn’t know where to turn. A friend recommended me to Michael Ghozland, I don’t regret it. Michael got me the compensation I deserved, will definitely recommended him to all my family and friends.

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Michael is absolutely amazing, and I could not be more grateful for everything that he did for me. He is kind, attentive, truly cares about the client, and perhaps most importantly he is extremely knowledgable when it comes to the world of Personal Injury. There are a lot of...

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Good firm that takes care of their clients. I highly recommend them if you need a lawyer. They will treat you like family

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I was involved in a motorcycle and 3 car crash that was caused by some guy with a suspended license and no insurance. This law firm saved my life- literally. Insurance was refusing to help cover anything but my car damage and 3 chiropractor visits. It ended up that I had...

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I will only refer my friends and family to MICHAEL Ghozland law firm. He settle my case for good amount and I went to good doctors. This is excellent lawyer. Call him if you need help with accidents.

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Experiencing a car accident is horrible and the unexpected twist and turns that follow only get worse and more frustrating very quickly. . We were happy when the Ghozland Law Firm was recommended to us by a good friend after we were hit by a car that ran a red light...

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I can't say enough about the expertise of this firm and Jennifer's natural willingness to go above and beyond at every step with the cases she has successfully executed on my behalf. I urge all to use Ghozland for cases that are in their wheelhouse, you'll not be disappointed!

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With over 40 years of experience, we have handled many slip and fall cases. I can provide you with the caliber of legal services that is normally available only to large companies, due to my experience in large-scale litigation that has resulted in awards of millions of dollars on many occasions. In 2014, Michael Ghozland was named “Street Fighter of the Year” by Consumer Attorneys of California in 2014. Because of my outstanding trial record, winning your case will probably mean obtaining a private settlement, with no need to ever step into a courtroom. Insurance companies know my reputation, and most of them would rather settle than face me in a slip and fall lawsuit.