Will this affect my insurANCE WHEN I GET A CAR

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 20, 2014

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Insurance Question from NULL, NULL

Asked on 07/20/2014

Will this affect my insurANCE WHEN I GET A CAR I've had my license for 6 years. I have never had a ticker or anything. I completed a driver training course. I have however, had two accidents but both was with my mothers car and her insurance. Will this affect my insurance when I get a car. Would this be on my abstract.

Answer given on July 23, 2014

While an auto accident follows the car for payment of damages and or injuries in the accident, the driver who caused the accident is considered at fault for rating purposes. If you have had two auto accidents in a car that you do not own, your driving record with the DMV will show these accidents on your record. When you get your own car the insurance company will charge you for the accidents shown on your record. In some states, two accidents eliminate you from a good driver discount, so your premium could be quite high. If you are shown as a driver on your mother’s insurance, the insurance company is probably surcharging her policy for your accidents. Once you have your own insurance, her premium should go down since they cannot charge on two separate policies for the same accidents. Make sure she updates her policy and removes you as a driver when you get your own insurance.

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