How To Prove You’re Not at Fault
An auto
insurance company might require proof from you that an accident was not your
fault and therefore not chargeable. Satisfactory proof can vary among companies
but often includes:
A police
report that says who was at fault.
A statement
from the other driver’s insurance company accepting fault.
A legal
document showing that you were reimbursed for damage.
A driver’s
written statement, under penalty of perjury, attesting to their fault.
What’s an
Auto Insurance Surcharge?
A surcharge
is the insurance increase you can get after a chargeable accident. You’ll find
out whether you’re getting a surcharge at renewal time. An insurer can’t start
surcharging you in the middle of the policy period.
Car
accidents are not the only problems that can result in a surcharge. You can
also get surcharges for moving violations.
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