Not All Accidents Make Your Insurance Rates Go Up
Not all car
accidents are “chargeable.” Here are typical examples of non-chargeable
accidents:
Your car was
legally parked when it was damaged.
Your car was
struck in the rear by another vehicle and you (or the driver of your car) were
not convicted of a moving traffic violation in relation to the accident.
Your car was
struck in a hit-and-run accident. (You may be required to report the accident
to the police within 24 hours after discovering the damage, depending on the
state and insurance policy.)
The driver
of another car was convicted of a moving traffic violation associated with the
accident, but you were not convicted of a moving traffic violation.
The accident
was caused by a collision with an animal or fowl.
The damage
was caused by falling objects or flying gravel or missile-like objects.
The accident
happened when you were responding to an emergency and you are a volunteer or
paid member of the fire department, first aid squad or law enforcement agency.
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