Impact of My At-Fault Single Car Accident on My Wife’s Insurance Rate?
Hello, everyone,
I recently had an at-fault single-car accident where I hit a curb, and my vehicle may be classified as a total loss.
I’m currently covered under my wife’s insurance policy, which includes both of our cars and drivers. Since I was the one involved in the accident, will her premium increase if she chooses to keep her policy, or if I decide to get my own separate insurance in the future? Just to clarify, she is the primary policyholder, and I am listed as an additional driver.
Thank you for your input!
In most cases, if you are listed as a driver on your wife’s insurance policy and you have an at-fault accident, her insurance premium may be affected. Insurance companies often consider the driving history of all listed drivers when determining rates.
Since you were driving her vehicle and were at fault in the accident, it’s likely that her insurer will view it as a higher risk, which could lead to an increase in her premium upon renewal. However, the exact impact can vary based on the insurer’s policies, the specifics of the accident, and how they rate risk.
If your wife decides to get her own insurance policy after this incident, the at-fault accident may still be taken into consideration, potentially affecting her new premium as well. It might be a good idea for her to contact her insurance company to discuss how this incident may impact her rates moving forward.