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How Does a Car Accident Affect Your Insurance

Car accidents are the leading cause of death for Americans between the ages of 1 and 34. In fact, car accidents are the leading cause of death in all age groups, except for the very elderly. Between 2005 and 2013, more than 30 million cars were sold in the United States. That’s a lot of people who could wind up being victims of car accidents. In this blog post, we’re going to explore how car accidents affect your insurance policy and what you can do to protect yourself. From knowing your rights to filing a claim, read on to learn everything you need to know about how car accidents affect your insurance policy.

What is Automobile Insurance?

Automobile insurance is a type of insurance that covers damages to cars and drivers in the event of an accident. Automobile insurance protects both the driver and the car. In most cases, the policyholder is legally responsible for any damage caused to other property during an automobile accident. The policyholder may also be held liable for injuries or fatalities that occur as a result of the accident.

Types of Coverage

There are a few types of coverage that you might be interested in if you have been in a car accident. These include property damage, bodily injury, and collision. Each type of coverage has its own set of benefits and limitations.

Property Damage Coverage
This type of coverage protects your vehicle from total loss or damage to its exterior. This might include damage to the paint, glass, or mechanical components. The coverage typically covers the cost of repairs or replacement.

Bodily Injury Coverage
This type of coverage will reimburse you for medical expenses and lost wages if you are injured in a car accident. It may also cover any damages to your health caused by the accident. This includes injuries such as broken bones, head injuries, and burns.

Collision Coverage
This type of coverage provides financial compensation for injuries that you or another driver suffered when two cars collided. It can help pay for damages to both vehicles, including lost time at work due to the accident.

How Automobile Insurance Works

Auto insurance is a type of insurance that helps pay for damages you may cause to someone else’s car. In most cases, the policyholder pays a deductible and then the insurance company pays the rest of the cost of repairs or replacement parts. If you are at fault in an accident, your auto insurance policy may not cover all of your costs.

If you have personal liability coverage, your auto insurance will usually pay for any damages you cause to someone else’s car, regardless of who was at fault. This includes damage to property, injury to persons, and even death. If you don’t have personal liability coverage, your car insurer may only pay for damage done to another person’s car if it is “under insured.” This means that your insurer is not obligated to pay more than what is set forth in your policy.

What to do If you Are Injured in an Accident

If you are injured in a car accident, the first thing you need to do is assess your injury. This will help you figure out whether you need medical attention and which type of insurance coverage you may need.

Once you have assessed your injury, it is important to contact your insurance company as soon as possible. You should also notify the police if there was any kind of altercation before or after the accident. If possible, take pictures or video of the scene of the accident so that you can document what happened.


If you were involved in a car accident, it’s important to know the effects that the accident may have on your insurance. If you have comprehensive or collision coverage, your policy will usually provide for repairs to your vehicle and/or medical expenses. However, if you are not covered by comprehensive or collision insurance, your rental car company might be able to help cover these costs. Make sure to ask your agent about any potential benefits that may apply to you.

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