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 QuoteA-LA Auto Insurance Team
Written by licensed insurance professionals at A-LA Auto Insurance, serving the Dallas-Fort Worth community since 2021. Our bilingual agents compare 35+ carriers to find affordable coverage for every driver — no credit check, no US license required.