How much would my insurance premium rise be? Car accident.?

Question

On the interstate going home from work, it started raining just as I entered, really hard. Then I saw this white car in front of me, who stepped on his brakes, and as soon as I saw that, I stepped on mines. I couldn't swerve to the right where the gravel and grass were cause the white car was already headed that way , since it was raining my brakes didn't help and instead my car slid and his the back left corner of the white cars, and then I hitted a gray car from behind. My car is messed up really bad and cannot be repaired.

When I gained enough sense to realized what just happened, there was 5 cars that had stopped, but mines was the only one badly damaged, unrepairable. Nobody was injured, and everyone's car was still drivable.

The officer basically said it was my fault, cause I couldn't stop MY car from hitting the other two. Now I have to pay a ticket of $165 and my insurance will be paying for the other car's problems.

Answer 1

I know you don't want to hear this, but it is your fault.  It doesn't matter what the other guy did or didn't do.   You hit him because you didn't have your car under control.  Just be glad you had insurance.  The last thing you should worry about is.... IF.... and ....HOWMUCH.... your insurance MAY go up.  Spell check...

Answer 2

It'll go up. Only the Insurance company knows, and they won't know right away.

It probably won't go up too much -- it wasn't that bad an accident.

Insurance rates go up a lot when someone is hurt badly or when someone dies.

Answer 3

If it's u'r 1st ticket and accident u should: 1) go to court and see about going to "traffic school." It has a small charge attached to it, but the ticket will not be on your record for insurance company purposes. If u pay the ticket, you can expect a 15% surcharge for the next five years on your auto policy (possibly only three yrs). There is nothing u can do about the accident. It doesn't matter if they pay $1 or $100,000.00. Fault is fault. You can expect a 20% surcharge for an at-fault accident. Again, 3-5 years. Contact u'r insurance company's underwriting department and they can give you specifics, but u can get rid of the ticket issue by going to traffic school. Good luck.