Car accidents occur for multiple reasons. Sometimes, we are responsible for causing them after making a careless mistake and other times, other drivers do the same or engage in behavior that is known to increase the chances of a wreck occurring. The point is, car accidents are common and sometimes, there are some drivers who are more prone to having their vehicle hit than others. So, what happens when you engage in multiple accidents within a short timeframe, let’s say twelve months. How is this going to affect your insurance?
If you caused the accident, you can expect the following:

  1. If all the accident claims were filed through your insurance company because you caused multiple fender benders, you risk having your premium rate increase. According to Esurance, while most insurers won’t raise your premium if the accident is your first one and it was minor, that may not be the case if you have filed several accident claims. You see, most insurers are going to look at your driving history, especially when it comes time to renew your policy. And while you may not be a reckless driver, your careless decisions might translate to you being deemed as a “risky driver” and that is when your insurer is likely going to raise your rates.
  2. Your insurer may choose to not renew your policy. If the company finds that during the time you have been a policyholder with them that you have filed numerous claims where you were at fault, they may view you as a liability and choose to not renew your policy.
  3. You will likely have to pay the entire deductible each time you file a claim. For example, if you file an at-fault claim that was worth $1,000 and your deductible was $500, you would have to pay the $500 each time a claim is filed before your insurer would cover the remaining amount for repairs and/or injuries.

If you didn’t cause the accident, then:

  1. Your insurance rates shouldn’t be affected as you aren’t filing a claim through your own carrier, that is unless the driver isn’t carrying enough insurance (underinsured) or is not insured at all (uninsured). The state of California is considered an at-fault state which means when you are involved in an accident with another driver and they are responsible for causing it, you can file a claim under their insurance policy for the necessary repairs your vehicle might need as well as for the medical expenses you may have incurred given they have coverage for that.
  2. If you have to file a claim with your insurer and the other driver’s insurer, you may be subject to paying a deductible depending on the portion of your policy you are filing a claim under.


Now, in order to truly understand what will happen if you file more than one auto accident claim within one year, it is recommended that you review your own policy as it should stipulate this in the terms. And if your policy doesn’t outline the consequences of filing multiple claims, then contact an insurance agent who can better inform you. Now, despite the number of claims you file, as a policyholder, you do have rights according to California’s Department of Insurance, and insurers cannot violate those. However, if you were recently involved in an accident in San Luis Obispo, CA and filed a damage and/or injury claim, yet feel your rights as a policyholder were violated, contact a CA accident lawyer who can help you resolve the issue.
San Luis Obispo, CA accident attorney Therese Harris is one of the best attorneys in the field and can help get to the bottom of why you aren’t being reimbursed for your accident.
You can reach the Therese Harris Law Offices at:
935 Riverside Avenue, #7b
Paso Robles, CA 93446
E-mail- [email protected]
Phone- 805-369-2053

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