If you are like me, you often wonder about your safety as you cruise down the highway. A few weeks ago, I was the victim of a bit of a speed trap. As I was cruising along, minding my own business, the car in front of me decided to abruptly switch into the right lane, leaving me in an almost certain accident with a car that had stalled in the middle of the road. I swerved, over-corrected, and did a spin- in the middle of the highway! I was lucky enough to escape the accident uninjured, with my car remaining unscathed. But many drivers have been as lucky as I was.

If you were recently involved in a car accident, you may be wondering how much your accident will end up costing you. Obviously, when auto accident costs come up, one of your first thoughts will be on your auto insurance policy. In addition to mechanical costs, your auto insurance rates will likely rise as well. If you are involved in an accident, your insurance company will consider…

• Your degree of “fault” in the accident
• The severity of the accident
• The monetary value of the claim filed by you and /or the other drivers involved

If you have been in an accident, make sure that you are fully aware of every detail of your auto insurance policy. Calling your agent and having them give you an explanation of your policy in simple terms is probably your best option. Also ask what ramifications your accident may have on the future costs of your policy.

And if you haven't gotten into an accident yet- and aren't confident in your coverage- contact Brown Insurance. At our Virtual Insurance Office, you can learn more about your auto insurance options, or get a free online quote.