How much does my insurance go up if?

How much will my insurance go up?

• Will it be my fault if my car skidded and instead of hitting an oncoming car, i hit the railing and did private property damage? My insurance said it was. I have court appeal date next week, do you think they will say its my fault? If the court said its my fault, how much will my insurance go up by? Do you have an estimate? Our insurance does not want to give us an estimate yet so need some help

• Answer:

  It doesn't mater how the accident happened...Period! Whether someone ran you off the road, you swerved to avoid an animal...etc. If you are driving and cause ANY damage, you are responsible and liable for the expense. If you have insurance, you'll have to pay your deductible(if you have collision) to repair your vehicle and for any property damage that has occured. Most insurance companies have accident forgiveness up to a certain amount of damage(generally $1,000 limit), otherwise your insurance may go up 10-15%. If a police report was not filed and DMV does not have the accident on file, I would try to contact the owner and find out how much the damage is and pay out of pocket so your insurance doesn't go up. The judge will order you to pay the damages.