Good morning, everyone. I had an accident yesterday (pretty minor, just some scrapes on the other vehicle, none on mine). I’ve been with USAA for over 3 years, and this is my first accident and claim with them. It’s also my first at-fault accident in 12 years of driving. Currently, I pay about $231 a month for coverage on two cars. Does anyone know how much my premiums might go up after this at-fault accident?
No one will really be able to give you an answer as a guess, since it’s a hypothetical situation. For reliable info, you’ll need to call USAA directly.
Kirby said:
No one will really be able to give you an answer as a guess, since it’s a hypothetical situation. For reliable info, you’ll need to call USAA directly.
Even if you call them, they can’t really predict what your rate increase will be at renewal.
No one can really answer this for you.
It’s hard to say for sure, but if you have accident forgiveness (which is available in most states), you likely won’t see a rate increase for this accident. If not, you might get a surcharge at your next renewal, which lasts for about three years.
Rates are calculated using formulas that the customer service reps can’t see. Since rates are highly individualized, they’d need to look at your specific policy for a rough idea, but even then, it’s just a guess because rates could change by your renewal date.
If you have accident forgiveness, it seems like your rates shouldn’t go up because of this accident. If not, though, it’s hard to say since the way they calculate rates is really specific, and it will vary from person to person.