Getting Car Insurance After an Accident

Car insurance after an accident may increase $137.78/mo over drivers with a clean record. At-fault accidents are more likely to raise your rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 12, 2020

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Here's what you need to know...

  • If you are in a car accident without insurance coverage, you are likely to have a hard time finding coverage in the future
  • Driving without insurance is a serious crime so that you will be penalized based on your state’s laws
  • Car insurance companies cannot drop you after an accident unless you were acting in an illegal manner

If you had an accident while uninsured or when your license was suspended, you might have trouble when shopping for a new car insurance policy.

Submitting a fraudulent car insurance claim and having your coverage dropped may also preclude you from working with some insurance providers.

It is possible to get a car insurance policy after having a collision, but it will be more expensive.

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Car insurance fraud has caused a steep rise in auto insurance rates in the last few years. Car insurance companies can also elect to drop customers because they become high-risk.

Being left without car insurance may cause you to incur additional costs if you are not able to promptly supply your local DMV with proof of a new car insurance policy.

Can your car insurance policy be canceled for having a single accident?

While car insurance providers avoid paying out too much in claims, they rarely drop coverage after a driver has caused an accident. However, your auto insurance policy may be canceled if you cause an accident and are subsequently charged with a DUI.

Your coverage can be canceled if you falsified vital information when you first covered your vehicle or committed a serious crime when the collision occurred.

According to Maine’s Bureau of Insurance, car insurance companies can only cancel policies for a valid reason during the initial 60 days that policy is in effect.

Other states in the U.S. have similar laws that make it illegal for auto insurers to cancel coverage without proper prior notice.

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Will you pay more for car insurance if you have an accident?

Causing an accident due to inattentive driving or unsafe driving practices is almost always a surefire way to increase your insurance premiums. “At-fault” accidents that happen in Massachusetts can cause drivers to pay more in insurance costs.

At-fault refers to the driver that caused the accident; however, there are varying degrees of fault when it comes to collisions.

Having an accident of any kind may result in higher car insurance premiums.

In fact, if anyone that is listed as an authorized driver on your policy has an accident, it may lead to an increase in your auto insurance rates.

To avoid paying car insurance surcharges for accidents, look for an auto insurance company that offers some accident forgiveness program.

Can you get car insurance if you had an accident without insurance?

Driving a vehicle without proper coverage is not only risky for your finances, but also a prosecutable offense in some states.

Drivers that get into car accidents while uninsured may be fined and have their licenses suspended, making it much more difficult for them to find reasonably priced car insurance.

Having an accident while uninsured will almost certainly put you in the high risk driver category.

Some car insurance providers may outright refuse to issue a car insurance policy in your name. However, there are still ways for you to get coverage.

If you still have a valid driver’s license, you can be added to the policy of a relative until you can afford to get insurance on your own.

If you don’t have a driver’s license, you will need to go through a lengthy process to purchase a new auto insurance policy.

SR-22 forms are required before many state Departments of Motor Vehicles will allow previously unlicensed or uninsured motorists to legally operate a vehicle again.

In other instances, defensive driving and supporting educational classes must be passed before regaining your driving privileges.

What can prevent you from getting car insurance?

If your driving privileges have been permanently revoked, you will not be able to get car insurance. Motorists can have their driver’s licenses suspended indefinitely after being arrested for multiple DUIs.

Being in an accident while having your license suspended can also prevent you from receiving a valid license in the future.

When it is not possible for a person to get a driver’s license under any circumstances, car insurance companies will not issue a policy or add the person to an existing policy.

To find and compare car insurance quotes from multiple companies, enter your zip code below!

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