BY SOLO INSURANCE®
Can you really avoid getting rear-ended? Not always but there are some things you can do that could help. Most of the time, getting rear-ended at a stoplight isn’t your fault. After all, another moving vehicle ran into the back of your stopped car. But did you know, even an accident that isn’t your fault might cause your auto insurance rates to rise? As unfair as it sounds, you could lose some discounts. Plus, you may still represent a higher financial risk to an insurance company following any type of vehicle accident.
It’s always better to avoid car accidents, including those for which you would have no responsibility. Here are a few tips on avoiding the difficulties of being rear-ended.
How Getting Rear-Ended Can Increase Your Auto Insurance Rates
Aside from the hassle, not at fault car accidents can have an impact on your auto insurance discounts. Any driver involved in a car wreck likely will a file a claim against either their auto policy or the policy of the at-fault driver. This impacts “claims-free” discounts because they now have a claim and become a cost burden to the insurance company. As a result, the more accidents you have, the more you cost insurance companies. Losing a discount feels like a raise in rates. This can happen after one accident, even though it might not have been your fault.
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There are multiple reasons for why you might see these increases in your insurance rates.
- If you have a history of at-fault accidents on your record, you become a higher coverage risk to the car insurance company.
- Even if the other driver was at fault for rear-ending you but doesn’t have liability insurance, or flees the scene of the accident, then you might have no choice but to file a claim on your own benefits. This is a cost to your insurer, which can increase your rates by moving you to another rate “tier.”
N0t all insurers raise rates if you are the victim of being rear-ended once but it can change your discounts.
Pay Attention
So what can you do to avoid being rear-ended? Pay attention to what is going on around you. Stoplights are not a reason to get on your phone. That is, if you don’t want to deal with the hassle of this type of accident. While you can’t be responsible for others, you can be responsible for yourself and your car. Therefore, to avoid the risk of being rear-ended, keep a few practical tips in mind:
- Always leave space between yourself and other vehicles.
- Make sure your turn signals and other rear lights always work appropriately.
- Never try to cut in front of someone at lights or intersections.
- Allow yourself plenty of stopping distance.
- Know what’s going on around you, at stops and while moving.
- Be on the lookout for potential problems to avoid.
Even though being rear-ended likely won’t be your fault, it’s an inconvenience at best. Always have your best interest at heart when you’re behind the wheel to get where you want to go safely. It never hurts to do what you can to keep yourself as safe as possible. If you need a car insurance rate check or auto insurance when it’s been a while, give Solo Insurance® a call or go online.
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