Headshot of Attorney Bill Buchanan

Can your auto insurance carrier drop you after an accident?

On Behalf of | May 8, 2023 | Car Accidents

Although most Georgia residents aim to be as safe as possible behind the wheel, car accidents can still happen. Regardless of the reason, it can reflect negatively on the auto insurance company. If you get into an accident, it’s natural to worry that your insurer can drop you; this is what you need to know.

Accidents and your insurance company

Car crashes are always deemed serious by auto insurance companies, but insurers don’t usually cancel your coverage for this reason. Auto insurers are more likely to drop a policyholder if they are consistently high risk on the road. Usually, these risks equate to speeding, reckless driving, distracted driving and driving under the influence of alcohol or drugs. However, all insurers have their own criteria regarding dropping a driver, so it’s wise to check the fine print on your policy. If your insurance company decides to cancel your coverage, it will inform you within 30 days by mail.

Understanding what could happen after a crash

If your car crash was a first-time occurrence and you caused it, it’s likely that your auto insurance company will not drop you. However, depending on the circumstances surrounding the accident, your insurer might increase your premiums, which could be a burden. There are things to keep in mind moving forward to retain your insurance coverage and that might help lower your premiums. Driving safely, being responsible and remaining alert at all times can help reduce your risk of an accident.

Honesty is the best policy regardless of the situation, so if you get into an accident and must file a claim, tell the truth. Don’t omit any important details. Always pay your bills on time and make if you file a claim, make sure it’s legitimate. Insurance companies don’t like it when policyholders file too many claims.

Recent Post