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How Accidents or Tickets Can Affect Your TN Auto Insurance

fender bender

Auto insurance carriers constantly run ads claiming your rates won’t go up even if you are in an accident. As consumers, we should be very careful when researching the right insurance carrier. Make no mistake, insurance carriers are in the business of making a profit, not by paying off every claim and lowering rates every year for their clients. If you are involved in an auto accident or receive multiple moving/speeding violations, odds are the insurance company will try to raise your rates. Some of the more common reasons you may see a change in your rates are for the following scenarios.

Auto Accident

If you were at fault for an auto accident then your insurance company will probably penalize you by raising your rates. More likely than not, if you were at fault then you were also ticketed for a moving violation which will put additional points on your driving record. A ticket combined with an accident will give the insurance company reason enough to change your rates. Even if you were not at fault in the accident the insurance company can choose to alter your rates if they had to pay out on any portion of the claim (even for uninsured/underinsured claims).

Speeding Tickets

Receiving a speeding ticket or multiple citations can cause your rates to go up. Depending on the severity of the moving violation the points on your Tennessee driver’s history can change drastically. For a full breakdown on Tennessee law regarding points and moving violations click here.

DUI Conviction or Reckless Driving Conviction

A conviction for Driving Under the Influence in Tennessee will cause your insurance rates to substantially increase. Even a conviction for reckless driving can give the insurance company reason enough to change your rates because such a conviction will also put a large number of points on your driving record. As always, when charged with a crime it is imperative that you contact an experienced criminal defense attorney for representation. Without proper representation, you could be facing an uphill battle both personally and financially.

Your Auto Insurance Rates After An Accident

To what degree your rates will change will typically depend on the severity of the accident or the ticket/moving violation. The more serious the matter, such as causing serious injury in an auto accident or traveling 100mph in a school zone, will certainly cause your rates to raise more than a simple fender bender would entail.

Chiozza Law Has Your Back

If you have a question or need assistance with any type of legal matter don’t hesitate to contact an attorney at The Chiozza Law Firm. If we can’t assist you, we will do our best to recommend you to an attorney who can help. If you have a medical malpractice claim, suffered a personal injury, were arrested in Memphis, or were merely given a speeding ticket in Shelby County we are always here to help.

We are confident that if you give us a call at 901-526-9494 to discuss your potential claim, we know you will like what we have to say. Trust that we will attentively listen to your issue and provide an accurate and honest answer during your free consultation.



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This Blog/Website is made available by the Lawyer or Law Firm Publisher for educational purposes only, as well as to give you information and a general understanding of the law. It is not to provide you with specific legal advice. By reading this blog, you understand there is no attorney/client relationship between you and the Blog/Website publisher. The Blog/Website should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.

Posted by Brian Chiozza at 9:36 AM
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