Does Getting Rear Ended Affect My Insurance?

No one likes getting into an car accident. But if you are unfortunate enough to get rear ended, it is important to know how it will affect your insurance. Read on to find out what you need to do and how it will impact your rates.

What is a rear-end collision?

A rear-end collision is a type of car accident that occurs when one vehicle hits the back of another vehicle. Rear-end collisions can happen at low speeds, but they can also occur at high speeds, and they can be very dangerous.

There are a few things that you should know about rear-end collisions and insurance. First, if you are involved in a rear-end collision, it is likely that your insurance rates will go up. This is because rear-end collisions are considered to be at-fault accidents, meaning that the driver who hit the other car is typically considered to be at fault.

Second, if you are involved in a rear-end collision, it is important to get the other driver’s insurance information. This is because you will need to file a claim with their insurance company in order to get your damages paid for.

Third, if you are involved in a rear-end collision, it is a good idea to consult with an attorney. This is because rear-end collisions can often be complex, and an attorney can help you navigate the legal process and ensure that you get the compensation you deserve.

How does getting rear-ended affect my insurance rates?

If you’re involved in a rear-end collision, your insurance rates could potentially rise. This is because rear-end accidents are often considered to be the fault of the driver who hit the car in front. Insurance companies may view this as an indication of carelessness or recklessness on your part, and thus, you may be seen as a higher risk to insure.

Of course, not all rear-end accidents are necessarily the fault of the driver who hit the other car. If the accident was caused by another factor, such as bad weather or a sudden stop by the car in front, your rates shouldn’t necessarily go up. It’s important to discuss the details of your accident with your insurance company to ensure that you’re not unfairly penalized.

Who is at fault if I get rear-ended?

In a rear-end collision, the driver who hit you is almost always at fault. That’s because drivers are expected to leave enough space between their car and the car in front of them so that they can stop if necessary.

If you’re ever in a rear-end collision, the first thing you should do is exchange insurance information with the other driver. Then, you should call your own insurance company to report the accident.

Your insurance company will likely send an adjuster to assess the damage to your car. They will also likely contact the other driver’s insurance company to try and reach a settlement.

If you have any questions about what to do after a rear-end collision, or if you’re not sure whether you have enough car insurance, you should contact an experienced personal injury attorney.

How can I prevent getting rear-ended?

There are several ways you can prevent getting rear-ended while driving. Paying attention to your surroundings and keeping an eye on the cars around you is the best way to avoid an accident. If you see a car coming up too fast behind you, move over to give them space to pass. You can also use your blinkers to let the driver behind you know that you’re slowing down or stopping. And finally, always leave plenty of space between your car and the one in front of you so that you have time to stop if they do.

What should I do if I get rear-ended?

If you are involved in a rear-end collision, the first thing you should do is check for injuries. If you or anyone else appears to be injured, call 911 immediately. Once you have ensured that everyone is safe, exchange insurance information with the other driver(s) involved. Be sure to get their name, address, phone number, and insurance company name and policy number. It is also a good idea to take photos of the damage to both vehicles as well as any visible injuries.

If the police are called to the scene, be sure to get a copy of the police report. This can be helpful in filing an insurance claim later on. Even if the police are not called, it is still a good idea to file a claim with your own insurance company as soon as possible. Be sure to give them all of the pertinent information, including the other driver’s information and any photos or reports you have.

Getting rear-ended can be a stressful experience, but by following these steps you can help ensure that everything is taken care of properly.


If you’ve been in a car accident, you’re probably wondering how it will affect your insurance. Getting rear-ended usually isn’t a big deal, and usually won’t affect your rates. However, if there is significant damage to your car or the other driver’s car, your rates could go up. If you have any concerns about how your accident will affect your insurance, be sure to contact your agent.