insurance increase

I went into the ditch due to very bad road conditions and black ice. The cops came and did not charge me and wrote on report it was due to road conditions. I am told this is still considered my fault although I was not speeding or charged. How much will by insurance from Belair Direct go up if I make a claim? The damage is around $3,000. I am currently paying $2,500 per year and have no previous claims. I am 23 years old and drive a 2005 Cobalt.I am trying to decide if I should just pay for the damages or make a claim. If my insurance is going to go way up I would rather pay the damages as my deductible is $1000.


Accident on Black Ice


Hi there,
You are correct that this will count as at fault and will likely affect your rates. If you have accident forgiveness in your policy, then it would not affect your rates.

If you don't have accident insurance, it is hard to say what the increase would be. But it would be substantial. And it will be at least 6 years before the accident is off your record.

Good luck with this.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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