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If the car accident was the [link widoczny dla zalogowanych] obvious fault of another driver, then usually your insurance rate will not be affected and your coverage will be enough to cover the accident. Some companies may [link widoczny dla zalogowanych] raise your insurance premium, but most will not. Though, if it was your fault then there may be some increase in your insurance.

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Safe drivers are considered to be the cheapest to insure since they won't need a lot of insurance since they won't get into many accidents. Many accidents, traffic violations, and other problems can cause insurance companies to charge higher premiums. Anything that causes a red mark on your driving record will cause you to be a higher risk customer.

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Some [link widoczny dla zalogowanych] people pay for the repairs themselves if the cost is less than the possible rate increase. [link widoczny dla zalogowanych] They pay instead of filing a claim from the insurance company in order to avoid the high risk rating of the insurance policy to go up. It is best to consult an agent before deciding on this method since it may or may not be useful.

The best and most effective manner of finding out whether or not your accident impact insurance [link widoczny dla zalogowanych] rate will cause a higher premium is to go to the insurance company and ask. Various insurance companies have different policies [link widoczny dla zalogowanych] and manners of deciding whether or not to increase the insurance cost for different customers, so to be sure you can talk to them ahead.