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Drunk Driving Insurance Abilene Texas TX

Reader’s Question:

I caused a drunk driving accident here in Abilene, Texas and I’d like to make a claim on my auto insurance so that I can pay for the damages I am responsible. Question is, what would be the standard increase after just one accident?

Henry

Abilene, TX

It would be difficult to answer as to how much the standard increase on your auto insurance would be after your drunk driving accident in Abilene, Texas, but you are right to suspect that your rates will go up at renewal time. Auto insurance companies actually vary on how much and whether they would raise rates after one accident. Auto insurance companies have to file rates with each state insurance department, and how they are going to determine the rates after a claim is made would be included in that.

A lot of auto insurance companies follow the Insurance Services Office or ISO’s standard of increasing a premium by 20 to 40% of the insurer’s base rate (not your current rate) following your first at-fault accident. A base rate would be the average amount of claims paid and the auto insurance company’s claims-processing fee. For multicar policies, according to ISO, the surcharge is 20% of the base rate and for single-car policies, it would be 40%.

Tags: auto insurance claims, drunk driving insurance, DWI