How At-Fault Accidents Affect Rates
When you're at fault in an accident, your insurance company considers you a higher risk. In Texas, this typically translates to a premium increase of 20-50% at your next renewal. The exact increase depends on the severity of the accident, the amount of the claim, your prior driving history, and your insurance company's specific surcharge schedule.
Texas is an "at-fault" state, meaning the driver who caused the accident is responsible for damages. This determination directly impacts your insurance rates and will appear on your driving record for up to five years.
Minimizing the Financial Impact
Compare Carriers Immediately
Different carriers weight accidents differently. A-LA compares 35+ carriers to find who offers you the best rate despite your accident history.
Ask About Accident Forgiveness
Some carriers offer first-accident forgiveness that prevents any rate increase. Ask your A-LA agent about which carriers include this benefit.
Complete Defensive Driving
An approved Texas defensive driving course can demonstrate responsible behavior and may result in a 5-10% discount.
Re-Shop Annually
As your accident ages on your record, rates should decrease. A-LA re-shops your policy annually to ensure you're always getting the best available rate.
Had an Accident? We Can Help
Not all carriers penalize accidents the same. Let A-LA find your best rate from 35+ carriers.
Get My Free QuoteSean — A-LA Auto Insurance
Licensed Insurance Agent — A-LA Auto Insurance, Dallas-Fort Worth
Sean is a licensed insurance agent at A-LA Auto Insurance, a TDI-licensed independent agency with 13 offices across Dallas-Fort Worth. He specializes in helping Texas drivers find affordable coverage — including SR-22 filings, non-standard auto, no-credit-check options, and coverage for drivers without a US license. Call (866) 252-6116 to speak with the team directly.
A-LA Auto Insurance is a Texas Department of Insurance (TDI) licensed agency. For personalized advice, call (866) 252-6116.