Even getting into a small fender bender can be a major inconvenience, especially when you’re worried about it affecting your insurance policy. In fact, many drivers choose not to file auto collision insurance claims unless it’s necessary for fear of their policy rates increasing. However, car insurance rates don’t automatically go up whenever you file a claim after an accident. Other factors in conjunction with the accident itself may actually affect your policy more.

The I-Car certified technicians of Mike Smith’s Automotive Collision Center, an auto body shop in Dothan, AL, offer their opinion on how an auto collision insurance claim affects your policy. Here are the top three factors that may raise your policy rates:

• The Damage To Your Car: Auto collision cases vary; you probably don’t need to worry about small damages (such as a scratch or a dent) affecting your policy. The insurance company may increase your rates, however, if there are severe damages to your car that require expensive repairs.
• Who Is At Fault: Your insurance rates will likely increase if the accident is your fault, but it should remain the same if the other driver caused it. There are exceptions, however, such as if you’re identified to be likely to get into another accident or if you live in a no-fault state.
• Your Driving Record: Driving safely and staying with your car insurance company for a long time can work in your favor. If you’re a careful driver, you probably won’t see a significant hike in your rates compared to someone with a poor driving record. There are also insurance companies that offer accident forgiveness for good drivers who have never been involved in an accident.

Whether you decide to file a claim or not, Mike Smith’s Automotive Collision Center can restore your vehicle to its original condition. For more information, call their 24-hour body shop at (334) 479-0446, or if you’re in Dothan, drop by their state-of-the-art auto collision repair facility located about one mile outside the circle on Hwy 52 West.