Side Swiped a car, my fault, how is my insurance gonna work? - New Tiburon Forum : Hyundai Tiburon Forums
 
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#1 Old 12-27-2011, 08:38 PM
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Side Swiped a car, my fault, how is my insurance gonna work?

sigh.... what a day....

i was exiting from a shopping mall lot to the main road. the car in front of me suddenly stopped while she has already stopped at stop sign and was going to the main road. (so she is not at the turn anymore, shes on the main road while accident happened)

I, behind her, totally dont expect that will happen, so my front passenger side swipe her rear driver side....

police said thats my fault.... yea, i cannot do any defense....

how is my insurance gonna work? (This is the first time im involve in a accident)

My insurance company will pay that old lady repair cost. Will they charge me back afterwards?
or just increase my insurance to sky high?

Last edited by crazy83189; 12-27-2011 at 08:41 PM.
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#2 Old 12-27-2011, 09:06 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

You will have to pay a surcharge, that's all. . . the point of having insurance is to not pay for the repairs out of pocket. But you will have your insurance increased and you will pay more per month. .. .

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#3 Old 12-27-2011, 09:09 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

thanks man....

but what is surcharge...?
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#4 Old 12-27-2011, 09:13 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

Whenever you get into an accident there is a certain amount that is in your policy that is added to your insurance policy. For most people it's around $500. That gets added to your policy and your monthly payments increase. You also get "points" added onto your record for so many years. . . once those points go down you will go back to your original payments

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#5 Old 12-27-2011, 09:17 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

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Originally Posted by Jhammer1228 View Post
Whenever you get into an accident there is a certain amount that is in your policy that is added to your insurance policy. For most people it's around $500. That gets added to your policy and your monthly payments increase. You also get "points" added onto your record for so many years. . . once those points go down you will go back to your original payments
so that is around $500 plus an increase monthly, right?
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#6 Old 12-27-2011, 09:26 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

^^ Me means $500 a month, but annually.

The insurance company isn't just going to slap on a fabricated surcharge on you, but rather take into account how many claims, at fault accidents, traffic infractions and your years of driving to determine how much your insurance cost will increase. Although this graph is taken from ICBC here in BC (The POS crown corporation insurance us British Columbians have to deal with) you may be able to get an idea of what your private insurance company is going to do with your rate.

CRS Level being your accumulated years without an at fault accident.


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Last edited by iwb; 12-27-2011 at 09:30 PM.
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#7 Old 12-27-2011, 09:31 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

so its like 10% up of my current insurance according to your chart?
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#8 Old 12-27-2011, 09:41 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

Thanks IWB that helps a little bit. . . and it doesn't mean 500 for you but that's what it is for a lot of people, for you it could be different. Just call the insurance agency and ask them, they will tell you everything.

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#9 Old 12-27-2011, 09:44 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

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Originally Posted by Jhammer1228 View Post
Thanks IWB that helps a little bit. . . and it doesn't mean 500 for you but that's what it is for a lot of people, for you it could be different. Just call the insurance agency and ask them, they will tell you everything.
yea man, i will

just dont want to say anything "wrong" to make them charge me more.
you folks on the forum always the best help
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#10 Old 12-27-2011, 09:50 PM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

lol NP. . .and if anything ask to see paperwork on it. GL

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#11 Old 03-26-2012, 12:31 AM
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Re: Side Swiped a car, my fault, how is my insurance gonna work?

That $500 dollars you speak of.... is that not what is called the deductible?

Example. My windshield is smashed. To fix it costs $400. Through insurance I could get it fixed for free if I pay a the $500 deductible. Instead, I pay the $400 out of pocket.

Example... All the windows in my car are smashed. It costs $1300 to fix it. I pay $500 to get all the windows fixed.

In both cases, my insurance premiums go up.

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