10+ Ways On How To Save On Car Insurance If You Have Been In An Accident

A car crash on Jagtvej in Copenhagen, Denmark.

A car crash – needs insurance…

Accidents do happen, which is why they’re called accidents, but very often car accidents aren’t actually accidents at all, because somebody is usually at fault. Car accidents are usually the result of somebody driving too fast / not paying adequate attention / not following the rules of the road. Anyhow, regardless of the why’s, how’s and wherefore’s, thousands of people do find themselves in car accidents every year, and it can often have a very expensive impact on your car insurance. Your car insurance premiums may rise after you’ve been involved in an accident, particularly if you are found to be the guilty party! There are, however, ways and means to lessen the impact, as it were, and save money on car insurance if you’ve been in an accident.

  1. Who Was At Fault?: After you’ve been involved in an accident your car insurance premiums will go up, if the accident was your fault then there’s nothing you can really do about that, but some insurance companies will try to increase your premiums even if you weren’t at fault. That’s where you have to get a little bit hard-nosed. If you were involved in an accident which was not your fault but the insurance company are trying to increase your costs then they’re basically just trying it on. Don’t be a push over. Tell them that it’s completely unacceptable for you to pay higher insurance premiums due to another drivers negligence and that if they don’t sort it out you’ll quite happily move your business elsewhere. The insurance company might go for it, they might not, but the chances are that if you have to switch you’ll get a competitive new insurance quote from a different company.
  2. Get Professional Advice: If you’ve been involved in an accident which was not your fault but the car insurance company (plus the other fella’) are trying to pin it on you, get some professional advice. Don’t be pushed around by anybody, particularly if it’s gonna’ cost you money.
  3. Shop Around: If you have been in an accident which was your fault then it’s a little bit more complicated to negotiate lower car insurance. This, however, does not mean that you have to accept whatever they dish out to you, you are quite within your rights to negotiate a better deal and to take your business elsewhere if necessary. The bottom line is, as always, if you want better deals on your car insurance just ask!
  4. Never Had A DUI?: Okay, so you’ve been involved in an accident (which may or may not have been your fault), but if you’ve never had a DUI you may be able to use that to your advantage (just so long as you hadn’t been drinking when you were involved in the accident of course). Some car insurance companies will give you a discount just for not having a DUI. Remember to mention it just in case.
  5. Change Your Car: This might or might not be a good way to save a little money on your car insurance, depending on what type of car you drive in the first place. If you’ve been involved in a traffic accident then your car has probably been damaged, and if it is damaged beyond repair then it might be a good opportunity to downgrade a little – if your original car was expensive and sporty with relatively high insurance premiums then why not downgrade to something more economical, safer, cheaper to insure.
  6. Check Out Those Features: If you do decide to change your car then check out the safety features on each and every model which makes your short list. Some insurance companies look very favorably on cars which have added safety features, things like air-bags and anti-lock braking systems all mean that your car is less likely to become involved in an accident, and if it is involved in an accident then the passengers are less likely to suffer from serious (and expensive) injuries.
  7. Take a Course: Driving safety courses are a great idea for all drivers, young drivers, elderly drivers, drivers who have a DWI and drivers who have been involved in an accident. It doesn’t really matter whether the accident was your fault, because there would be even more accidents on the roads today if drivers didn’t successfully avoid them. Think about how many near misses you’ve had in your driving career. Maybe an accident wasn’t your fault, but could you have avoided it with a little more experience . . . what if you’d taken avoiding action that little bit sooner. If you take a drivers safety course then the car insurance company will probably look upon it very favorably indeed, and might even reduce the price of your car insurance a little . . . kerching!
  8. Use More Public Transport: Well, that’s one way of reducing your car insurance costs I suppose, sell the car and buy a bus ticket. Maybe that’s a little too drastic, after all we’re supposed to be looking at ways to save on car insurance after an accident, not get rid of it altogether. Look at it this way – the more miles you drive, the more chances there are of being involved in an accident, so, if you inform your car insurance company that you are only going to drive your car for a limited amount of miles per year they might be very willing to reduce your car insurance premiums.
  9. Cut Back on Extras: This might seem to be a very unusual thing to suggest when you’ve just probably had the full benefit of your car insurance extras – roadside assistance, medical cover, maybe even a rental car whilst your car was in the body shop. Let’s start with the roadside assistance, you might be paying around $20 per year for that, (and you’ve just had to use it), but a tow is very often included in the collision part of the insurance policy and that extra tow you’ve been paying for is for breakdown cover. A little organization is often all that’s needed; realistically, a well maintained car won’t break down very often, make sure that you always have plenty of gas, be careful not to lock your keys inside the car, make sure that you have a spare wheel which is pumped and ready (and make sure you have the right tools and the know-how to change it).  Medical cover is also an extra which many people can do without. The majority of people have got quite adequate medical insurance cover already without letting it add to the cost of their car insurance.
  10. Check Your Score: Credit score we’re talking about. Your credit score can have a high impact on the cost of your car insurance, insurance companies prefer clients who have a great credit score, it makes them appear to be more responsible members of society somehow, and less likely to have accidents. Okay, we’ve established that you’ve already been in an accident (which may or may not have been your fault), but checking your credit score can still help to save money on your car insurance. The problem is that lots of credit scores are inaccurate, no, really . . . keep an eye on yours to make sure that it is accurate and up to date.

You’d better get your thinking cap on to talk your way out of an accident which was your fault . . . here are a few ideas of what not to say!

Fantastic Car Accident Excuses;

  • “Coming home, I drove into the wrong house and collided with a tree I don’t have”.
  • “An invisible car came out of nowhere, struck my vehicle and vanished”.
  • “The other car collided with mine without giving warning of its intention”.
  • “As I approached the intersection, a stop sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident”.
  • “The pedestrian had no idea which direction to go, so I ran him over”.
  • ” My car was legally parked as it backed into the other vehicle”.
  • ” I was driving my car out of the driveway in the usual manner, when it was struck by the other car in the same place it had been struck several times before”.
  • “The telephone pole was approaching fast. I was attempting to swerve out of its path when it struck my front end”.

Unbelievable! Try explaining some of those to your car insurance company.

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