Usually an uninsured motorist accident is not chargeable against insured in any way. Your rates should not be effected at all with most insurance companies.
There are many things that insurance company takes in to consideration when raising your rate. They will look at how long you have had insurance, the amount of the claims, if you were at fault or not, as well as other factors. Only they will be able to tell you.
It depends on who is at-fault for the accident. Your rate doesn't rise based on how much money was spent towards repairing your vehicle, it rises based on your driving/accident history. If you were in an accident and deemed not at-fault, supposedly your rate will not go up. However, I've seen my own rate go up AFTER an accident finally dropped off my record AND I had no tickets or citations, and the reason was given as "insurance rates have risen all over the state".
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
a lot
If that driver was found at fault, then usually it would.
It will vary based on the individual insurance company and their policy. You will loose any claim-free discount and the points for the accident will be added to rate the policy up. Usually it goes up 10-15 percent for the first claim.
Yes. If it is determined that the accident was your fault, your insurance company will raise your rates. However, the rate increase is often fairly minor. If you were ticketed by the police, it may increase the rate increase because you now have both a ticket and an accident. Your insurance agent should be able to tell you how much the increase will be.
After one accident, insurance rates can go up anywhere from 10 to 30 percent. After two accidents, they can go up from 45 to 150 percent.
No, it is very likely that you insurance is going to increase for this. It will go up if you are in an accident.
That is solely up to the discretion of your insurance provider. Your rates won't necessarily go up, especially if this is your first claim. The Hartford insurance offers me first accident forgiveness, which basically guarantees that the insurance company will not raise my rates after my first accident. If this is your first accident and your policy includes this as well then your rtes won't rise at all.
It is really based on whether the accident was at fault or not at fault. If it was not at fault, it usually will not increase.