Accidents are the reason you bought car insurance.
Instead of losing your car because of a moment’s inattention, it will be repaired or replaced. Instead of facing a battery of lawyers yourself, you have an experienced insurance company to represent you. Instead of trying to find a body shop and manage a repair, you have experts in collision damage overseeing the process.
You may move quickly from gratitude to worry when you realize there’s a price to be paid. An auto accident can leave your rates untouched, or it can result in a surcharge that inflates your car insurance bill for years to come.
If your car was determined a total loss after an accident, read our guide on what to do with a totaled car.
Here are answers to some of the most common questions we get about car accidents and the types of car insurance needed to make everything right.