6 Responses for "Will my car insurance rate rise if someone on my policy gets in an accident?"

1. selena gomez February 4th, 2010 at 3:33 am 1

   Yes, they will likely rise. Most companies will not allow you to delete someone from your policy if they are still living with you, unless they have their OWN car policy. A few will let you, but only if you "exclude" them from all coverage – pretty risky, as if they DO drive while excluded, the policy is void.If you want some more information, I would check out…http://www.safelinked.info/go.php?link=insuranceTake care.

2. selena gomez February 4th, 2010 at 3:33 am 2

   yes your rates MAY go up, depending on the amount of the claim and if that person ends up with points on his/her driving record. if you want to remove that person you will most likely have to provide proof they now have their own policy in order to remove them from yours, or show proof they do not live in your household. once you remove them the points they have are no longer chargeable on your policy. Source(s): agent

3. Vanessa Hudgens February 4th, 2010 at 3:33 am 3

   It is dependent upon monetary amount of the damage. If the damage was small and of little cost, then no it will not go up, however if it was costly then it will definitely go up, and for quite awhile.

4. justin bieber February 4th, 2010 at 3:33 am 4

   It will climb. As to the second person- maybe. You can remove them, but your rates may still go up. Some have a one accident forgiveness thing, unless it is someone who is young- 25 or younger.

5. miley cyrus February 4th, 2010 at 3:33 am 5

   If the accident wasn't the fault of the driver on your policy your rates shouldn't go up either.

6. miley cyrus February 4th, 2010 at 3:33 am 6

   Yes, it will make your rates go up. You might be able to remove that person – with an operator exclusion form (meaning, no way, no how, will the insurance company cover ANY accident that the person gets in, OR your car), but some companies won't do an operator exclusion form. Even if you CAN remove them, your policy will lose a "claims free" discount, and can be "uprated" for paying out on an accident. Not surcharged, but definately an increase. It will vary by state and by company, so YOUR AGENT is the best person to ask. Source(s): agent, 21+ years