What Happens to Your Rate After an Accident in Indiana?

An accident on your record doesn't affect every policy the same way, and it doesn't necessarily mean your rate is locked in at a higher number forever. A few things determine how much it actually moves.

Fault matters first. An at-fault accident tends to affect pricing more than one where you weren't responsible, since carriers are pricing the likelihood you'll file another claim. Your driving history before the accident matters too — a clean record going in tends to soften the impact more than a record that already had a ticket or two on it.

Carriers also don't all react the same way to the same accident. Some have accident forgiveness built into certain policies. Others weigh recent history more heavily than older history. This is exactly the kind of situation where shopping around after an accident can actually save you money, rather than assuming your current company's renewal price is the only option.

If you're dealing with a rate increase after an accident and want a second opinion on what you're actually being charged for, see our cost guide for what factors into pricing, or get a quote comparison from multiple carriers.