Automobile Insurance Claim Boston Massachusetts MA
Filed under: Auto Insurance Quotes, Auto Insurance Tips
Reader’s Question:
If I am involved in a bender-fender and I did not make a claim will it still affect my car insurance rate in Boston, Massachusetts? The reason why I’m asking this is because my car insurance company found out about this bender fender wherein I am at-fault. Now, I’m afraid that they will set higher car insurance rates for me now.
Brad
Boston, MA
Every car insurance companies have different guidelines that they follow in setting the auto insurance rates. Though you have not made the claim, the fact that your car insurance company found about the bender fender still speaks something about your driving history, much more that you are found to be at-fault. As you see Brad, having involved in an incident like this, no matter how minor it is, might be seen by your auto insurance company as a warning that you are somewhat risky to be insured.
However, it’s a general practice in a car insurance industry, that when a policyholder is involved in a minor violation, it doesn’t necessarily result to an increased car insurance rate right away. Usually, they “forgive” first time offenders. However, succeeding traffic violations would surely result in higher insurance rates at the time that you renew your car insurance policy.
To get more information about the impact of bender fender on your car insurance rate, ask your insurance agent in Boston, Massachusetts. He or she would be able to explain to you your car insurance company’s guidelines relating to bender fender incidents.
Tags: auto insurance claims, car insurance, car insurance rate