Car Accident....Husband was the "AT Fault" Driver? Any Insurance (Agents/Claims) Experts out There??

Question

Ok, here's my situation. My husband is driving about 30 mi/hr, when a lady slows down for traffic ahead. We see her stop, we begin to stop a few car lengths back but we realize (in slow motion) that our car is hydroplaning and isn't gonna stop! (it was raining all weekend)

My husband hits her in the rear. (YIKES) She has hardly any visible damage and our car curls up in the front like a pretzel!

Everyone was wearing there seatbelts, no injuries, and not sitations were issued, once the police arrived.

Questions:

What does this mean for our Premium?

Will my husband be listed as a risk as far as insurance is concerned?

Since we are on the same policy, will this effect me too?

(We have full coverage since we own a home and are still paying a car note)

I've never had a claim before in all my 15 years of driving. I have a perfect record, never had a speeding ticket, so on etc.

My husband on the other hand, not so perfect! He has points.

Answer 1

Consider yourself lucky he didn't get a ticket for failure to maintain control of his vehicle, he could have.  Your insurance will definitely pay for damage to the car you hit.  If you have collision coverage, it will pay for your damage, less any deductible amount you have.

At policy renewal time the company *might* increase your premium.  As your agent, although sometimes they don't know either.

If your husband has points, he's already a risk.  Will this add to it?  Possibly.  

(Bottom line:  When it's wet, increase your interval between cars and slow down.)

Answer 2

There are a couple of things that adversely affect your standing with your insurance company.

Credit Score (not an issue here)

Violations (not an issue here)

Claims (will be an issue here)

When you cost them money or appear more of a risk, your whole policy with them, you included, will cost more.

Unless you have a plan that has 1st time forgiveness features like Allstate (although I think you pay for these perks up front)

Good luck! :-)