The consequences of car accidents are many, and include not only vehicle damages, physical injuries, lost earnings, pain and suffering, but also less obvious consequences. Among these are increased insurance costs. According to a recent article in the Boston Globe, Massachusetts drivers can end up paying more in insurance premiums for a variety of moving violations, sometimes significantly more, depending on the violation.

The degree to which a moving violation impacts one’s credit depends on several factors. To take one example provided in the article: running a stop sign can result in an increase of over $350 per year for up to five years for many drivers. Some offenses, not surprisingly, can result in greater premium increases than others, with reckless driving and driving under the influence causing significant increases. 

Sorting insurance matters out is critical when one becomes involved in a car accident in Massachusetts, not only to ensure one receives full coverage, but also to ensure that one does not suffer the consequences of increased premium costs unfairly. As we’ve noted before on this blog, insurance companies in Massachusetts are empowered to apply standards of fault after motor vehicle accidents, but it is ultimately up to the courts to determine questions of fault.

Motorists who are being unfairly blamed for a motor vehicle accident by their insurance company should work with an experienced attorney to ensure their rights are protected and that their insurance costs fairly reflect their actual risk to the insurance company after a car accident.

Source: Boston Globe, “Mass. Car insurance costs can double after some violations,” Jack Newsham, Feb. 19, 2015.