Will My Insurance Go Up If I’m 50% At-Fault?

Yes your auto insurance will increase on the renewal if you are found even 50% at-fault for an accident as you are still part of the cause the collision occurred. Therefore you are deemed a higher risk and because you pose an increased risk to your insurance company they have to be compensated through higher premiums.

I know it may seem unfair that you are charged at-fault even though you are only 50% at-fault for the accident. But on the bright side your deductible will only be half as well because you are only 50% at-fault.

For instance, if your collision coverage deductible is $500, and you are 50% at-fault for an accident you only have to pay $250 or 50% of your collision deductible.

What happens if I’m less than 50% at-fault for an accident?

There are the rare cases when you are involved in an accident with more than one car, in which case your insurer will have different underwriting rules in how they will rate you. When you are finished talking to your claims adjuster once your claim has been processed it is important that you ask to speak to an underwriter to get an understanding of what your premiums will be come renewal and what you are being rated for.