Alabama Auto Insurance: You Can Still Get Car Insurance After a Collision

Insurance companies know that accidents happen and that most drivers will be in an accident at some point in their life. They plan insurance policies around that, and that is to protect you financially in the event of an accident.

When you have been in a car crash, it is easy to feel like you won’t ever be able to get car insurance again. That isn’t necessarily the case and is rarely the case. Even after a DUI, there are insurance solutions. 

At Elliott & Associates Insurance, we can help all Opelika, AL drivers get the auto insurance they need after a collision. Here are some things to keep in mind.

Factors That Determine Car Insurance After a Crash

When you have been in a car crash and are renewing or updating your insurance policy, the insurance company will need to know the details of the crash in order to give you the best quote.

You might be considered a high-risk driver and see an increase in rates, that can go as high as 25 to 30 percent. It will depend on the accident.

These factors will determine your car insurance rates after a crash:

•    Who is at-fault
•    Your driving record
•    The size of your claim

For example, if you have a minor accident you don’t make a claim, you may see an increase because your driving record changes, but it may not be that bad. If you have a major crash and aren’t at fault, you still may not see that many changes. 

Every driver’s insurance policy is unique to them.

How to Save on Alabama Auto Insurance After a Crash

If you do see your insurance rates hike after an accident, there are ways to bring that number down. You can drop some of your coverage that you don’t expect to use. Taking off your collision or comprehensive insurance can help your costs.

You can also increase your deductible. 

The only way to find out exactly how your insurance is impacted after an accident is to talk to an expert that can help you to get the best deal.

Get a Quote After an Auto Accident

When you have been in a car crash, it is easy to feel like the worst has happened and you’ll never get insurance again. You can and you will. It will take some time to clear that record, but you can have insurance in the meantime. At Elliott & Associates Insurance, we know there is an auto insurance company for every Opelika, AL driver. Call us for a quote today.