{"id":1391,"date":"2024-08-14T20:04:15","date_gmt":"2024-08-15T03:04:15","guid":{"rendered":"\/wp-site\/?p=1391"},"modified":"2025-12-06T17:51:26","modified_gmt":"2025-12-07T01:51:26","slug":"at-fault-accident","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/at-fault-accident\/","title":{"rendered":"What is an At-Fault Accident?"},"content":{"rendered":"\n<p>If someone on the road causes a collision due to negligence or unsafe driving, they are considered at fault. After an accident, the at-fault driver\u2019s <a href=\"\/car-insurance\/\">car insurance<\/a> rates rise by an average of 35%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"define-at-fault\">Define \u201cat fault\u201d<\/h2>\n\n\n\n<p>An &#8220;at-fault accident&#8221; refers to a collision that&#8217;s caused by a driver&#8217;s failure to exercise proper care and caution. At-fault drivers are held financially responsible for any injuries and property damage they cause. If an insurance company has determined you&#8217;re at fault in a crash, it means you weren&#8217;t practicing the level of caution expected when the accident occurred, regardless of whether you meant to cause it.<\/p>\n\n\n\n<p>Reasons that you may be found at fault after an accident include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Driving under the influence.<\/li>\n\n\n\n<li>Speeding or otherwise failing to obey the rules of the road.<\/li>\n\n\n\n<li>Distracted driving (such as texting, eating or talking on the phone).<\/li>\n\n\n\n<li>Following a vehicle too closely.<\/li>\n\n\n\n<li>Ignoring traffic signals, such as traffic lights, stop signs or yield signs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fault-vs-no-fault\">Fault vs. no fault states<\/h2>\n\n\n\n<p>Each state adheres to either a no-fault or at-fault auto insurance system. In no-fault states, one&#8217;s own insurer covers losses, regardless of fault. In at-fault states, the responsible driver pays for damages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-determines-fault\">Who determines fault in a car accident?<\/h2>\n\n\n\n<p>After an accident, an insurance adjuster is appointed by each driver\u2019s insurance company to determine fault \u2014 even in no-fault states. In some cases, however, the matter of fault may be decided in court.<\/p>\n\n\n\n<p>Several factors may help adjusters determine fault after an accident, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The police report.<\/li>\n\n\n\n<li>Eyewitness accounts.<\/li>\n\n\n\n<li>Dashcam footage.<\/li>\n\n\n\n<li>Photos and videos of the scene of the accident.<\/li>\n\n\n\n<li>Evidence from the accident scene, such as skid marks.<\/li>\n\n\n\n<li>The location and type of damage.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Can both parties be at fault in an accident?<\/h3>\n\n\n\n<p>Often, both drivers will be found to have some degree of fault for an accident. In these instances, drivers will be assigned fault in percentages.<\/p>\n\n\n\n<p><strong>Example:<\/strong> Driver A is speeding and runs a stop sign. Meanwhile, Driver B is distracted by their GPS and doesn\u2019t see Driver A coming. The two drivers collide. Driver A might be assigned 80% fault while Driver B might be assigned 20% fault.<\/p>\n\n\n\n<p>The way a situation like this is handled financially depends on your state\u2019s fault laws:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contributory negligence<\/strong>: Under contributory negligence laws, any driver found partially at fault in an accident cannot receive compensation from other drivers involved in the accident.<\/li>\n\n\n\n<li><strong>Pure comparative fault<\/strong>: Under pure comparative fault laws, victims of accidents can always try to get compensation from the other driver \u2014 even if they were partially at fault themself. In a pure comparative fault state, Driver A could still claim 20% for property damages.<\/li>\n\n\n\n<li><strong>Modified comparative fault<\/strong>: Under modified comparative fault laws, drivers found partially at fault for their own injuries in an accident can receive compensation for a portion of the damages as long as the other driver was at least 50% to 51% at fault for the accident.<\/li>\n<\/ul>\n\n\n\n<p>Here are these laws by state:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Negligence Law<\/th><th class=\"has-text-align-left\" data-align=\"left\">States<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Contributory<\/td><td class=\"has-text-align-left\" data-align=\"left\">AL, DC, MD, NC, VA<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Pure comparative<\/td><td class=\"has-text-align-left\" data-align=\"left\">AK, AZ, CA, KY, LA, MS, MO, NM, NY, RI, WA<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Modified comparative<\/td><td class=\"has-text-align-left\" data-align=\"left\">AR, CO, CT, DE, FL, GA, HI,&nbsp; ID, IL, IN, IA, KS, ME, MA, MI, MN, MT, NE, NV, NH, NJ, ND, OH, OK, OR, PA, SC, TN, TX, UT, VT, WV, WI, WY<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Slight-gross comparative negligence<\/td><td class=\"has-text-align-left\" data-align=\"left\">SD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How long after an accident can you be sued for being at fault?<\/h3>\n\n\n\n<p>Time limits for <a href=\"\/car-insurance\/car-insurance-claim\/\">filing a car insurance claim<\/a> vary between states, but in most cases, drivers have between two and four years to file a lawsuit.&nbsp;<\/p>\n\n\n\n<p>These cases can typically be settled out of court. However, if a lawsuit is brought against you after a car accident, it may be wise to hire an attorney.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-does-your-premium-rise\">How much does your insurance premium increase after an accident?&nbsp;<\/h2>\n\n\n\n<p>After an at-fault accident, your car insurance rates will typically increase by about 35% for three to five years.<\/p>\n\n\n\n<p>Most auto insurance providers add a surcharge to your premium for having an at-fault accident on your driving record. The resulting rate increase follows you to different car insurance companies, but some companies offer better rates after an accident claim than others.<\/p>\n\n\n\n<p>Our experts analyzed thousands of car insurance policies purchased by Jerry customers to learn more about how an at-fault accident affects monthly car insurance costs. Here\u2019s what they found.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Insurance costs for drivers with clean records<\/h4>\n\n\n\n<p>Here are the five insurers that charge the lowest rates to drivers with <a href=\"\/car-insurance\/what-is-a-motor-vehicle-report\/\">clean records<\/a>, according to Jerry&#8217;s quote data.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;Foremost&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$93&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$1,118&quot;},{&quot;carrier&quot;:&quot;Aspire Advantage&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$153&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$1,840&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/anchor-general\\\/\\&quot; title=\\&quot;Anchor General\\&quot;&gt;Anchor General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$188&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,253&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/root\\\/\\&quot; title=\\&quot;ROOT\\&quot;&gt;ROOT&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$204&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,451&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/safeco\\\/\\&quot; title=\\&quot;Safeco\\&quot;&gt;Safeco&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$205&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,460&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$93<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$1,118<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$153<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$1,840<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$188<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,253<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$204<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,451<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$205<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,460<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 6, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Insurance costs for drivers with at-fault accidents with no injury<\/h4>\n\n\n\n<p>Here are the five insurers that charge the lowest rates to drivers with an at-fault accident without injury on their records, according to Jerry&#8217;s quote data.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;Aspire Advantage&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$159&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$1,906&quot;},{&quot;carrier&quot;:&quot;Bluefire&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$219&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,634&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/anchor-general\\\/\\&quot; title=\\&quot;Anchor General\\&quot;&gt;Anchor General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$249&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,988&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/safeco\\\/\\&quot; title=\\&quot;Safeco\\&quot;&gt;Safeco&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$255&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,058&quot;},{&quot;carrier&quot;:&quot;First Acceptance&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$268&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,221&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$159<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$1,906<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$219<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,634<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$249<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,988<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$255<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,058<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$268<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,221<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Insurance costs for drivers with at-fault accidents with injury<\/h4>\n\n\n\n<p>Here are the five insurers that charge the lowest rates to drivers with an at-fault accident with injury on their records, according to Jerry&#8217;s quote data.<\/p>\n\n\n\n<div data-show-load-more=\"false\" class=\"group wp-block-jerry-live-table\" data-wp-context=\"{&quot;data&quot;:[{&quot;carrier&quot;:&quot;Aspire Advantage&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$168&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,020&quot;},{&quot;carrier&quot;:&quot;Bluefire&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$210&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,515&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/national-general\\\/\\&quot; title=\\&quot;National General\\&quot;&gt;National General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$221&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,648&quot;},{&quot;carrier&quot;:&quot;First Acceptance&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$248&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$2,982&quot;},{&quot;carrier&quot;:&quot;&lt;a href=\\&quot;\\\/reviews\\\/car-insurance\\\/anchor-general\\\/\\&quot; title=\\&quot;Anchor General\\&quot;&gt;Anchor General&lt;\\\/a&gt;&quot;,&quot;averagePremiumAfterJerry&quot;:&quot;$257&quot;,&quot;averagePremiumAfterJerryAnnual&quot;:&quot;$3,080&quot;}],&quot;isExpandable&quot;:false,&quot;isExpanded&quot;:true,&quot;limitForExpanding&quot;:null,&quot;searchText&quot;:null}\" data-wp-interactive=\"jerry\/live-table\" data-wp-init=\"callbacks.onInit\" data-wp-bind--data-show-load-more=\"state.showLoadMore\">\n  \n  <div class=\"relative max-md:mx-full-bleed block\">\n    <figure class=\"live-table-header wp-block-table sticky top-0 z-[2] !overflow-x-hidden bg-white md:static\">\n      <table>\n            <thead >\n      <tr>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n          <\/table>\n    <\/figure>\n\n    <figure class=\"live-table-body wp-block-table overflow-auto group-data-[show-load-more=true]:pb-4\">\n      <table>\n            <thead class=\"pointer-events-none invisible select-none leading-[0]\">\n      <tr>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Insurance Company  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Monthly Quote  <\/div>\n<\/th>\n                  <th class=\"wp-block-table__cell-content !h-0 !py-0\">\n  <div class=\"flex gap-2 items-center justify-start\">\n    Avg Annual Quote  <\/div>\n<\/th>\n              <\/tr>\n    <\/thead>\n            <tbody>\n          <template data-wp-each=\"state.displayData\">\n            <tr>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\"><\/td>\n                          <\/tr>\n          <\/template>\n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$168<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,020<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$210<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,515<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$221<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,648<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$248<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$2,982<\/td>\n                          <\/tr>\n          \n            <tr data-wp-each-child>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-column=\"carrier\" data-wp-init=\"callbacks.onCellInit\"><\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerry\">$257<\/td>\n                              <td class=\"wp-block-table__cell-content has-text-align-left\" data-wp-text=\"context.item.averagePremiumAfterJerryAnnual\">$3,080<\/td>\n                          <\/tr>\n          \n        <\/tbody>\n      <\/table>\n    <\/figure>\n\n      <\/div>\n\n  \n  \n      <div class=\"flex flex-row my-3 gap-2 items-center font-body text-slate-500\">\n      <span class=\"iconify i--refresh text-sm\"><\/span>\n      <span class=\"text-xs\">Last Updated Dec. 7, 2025<\/span>\n    <\/div>\n  <\/div>\n\n\n\n<p>Even after this surcharge is removed, you won\u2019t qualify for<a href=\"\/car-insurance\/safe-driver-discount\/\"> safe driver discounts<\/a> for quite a while after an at-fault accident. That means that your auto insurance rates may still be higher for some time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What about accident forgiveness?<\/h3>\n\n\n\n<p>Some auto insurance companies like <a href=\"\/reviews\/car-insurance\/geico\/\">Geico<\/a>, <a href=\"\/reviews\/car-insurance\/allstate\/\">Allstate<\/a> and <a href=\"\/reviews\/car-insurance\/nationwide\/\">Nationwide<\/a> offer accident forgiveness programs that prevent insurance rate increases after your first at-fault accident. However, some of these programs must be added to your auto insurance policy before your first accident. If you think you may qualify for accident forgiveness, check with your provider to see if it\u2019s included in your coverage.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry finds quotes from 50 insurance partners fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-avoid-insurance-cost-increases\">How to avoid insurance cost increases after an accident<\/h2>\n\n\n\n<p>Even after a minor accident, it can be hard to find cheap car insurance. Here are some ways to lower your car insurance rates after an at-fault accident:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get multiple quotes:<\/strong> The best way to combat higher rates after an accident is to shop for quotes from several insurance companies. That way, you\u2019ll be certain that you\u2019re getting the best rates available.<\/li>\n\n\n\n<li><strong>Keep a clean driving record: <\/strong>While an at-fault accident is certainly a black mark on your driving history, avoiding minor charges like speeding tickets will help you avoid additional rate hikes. You can also ask your insurance provider about a <a href=\"\/car-insurance\/what-is-telematics\/\">telematics<\/a> device, which can monitor your habits and even reward you for safe driving.<\/li>\n\n\n\n<li><strong>Maintain good credit:<\/strong> Many insurance companies use your credit score as a factor in determining your rates, as a low credit score poses a higher risk to insurance providers.<\/li>\n\n\n\n<li><strong>Seek discounts: <\/strong>Car insurance discounts can help lower your premium. Examples include bundling (combining multiple insurance policies with one company), good student and pay-in-full.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\">Jerry insight<\/span><span class=\"text-gray-900 text-base\"><br>You can save money by raising your deductible or reducing your coverage amount, but in both cases, your out-of-pocket costs will be higher if you\u2019re involved in an accident. Try to balance an affordable monthly bill with a deductible and coverage whose impact won\u2019t be detrimental to your finances.<\/span><\/div><div class=\"jerry-block-content\"><\/div><\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"does-fault-matter-in-no-fault-states\">Does fault still matter in no-fault states?<\/h2>\n\n\n\n<p>Being found at fault for an accident is different in an <a href=\"\/car-insurance\/at-fault-states\/\">at-fault state<\/a> than it is in the <a href=\"\/car-insurance\/no-fault-states\/\">no-fault states<\/a>.&nbsp;<\/p>\n\n\n\n<p>In an at-fault state, you receive compensation for things like medical bills and lost wages from the at-fault driver. If you live in a no-fault state, however, you\u2019ll typically receive compensation for any medical bills from your own insurance provider, regardless of who was at fault.<\/p>\n\n\n\n<p>As a result, drivers in no-fault states are typically required to carry higher minimum amounts of car insurance, including personal injury protection (PIP) and\/or MedPay to account for their additional responsibilities. In some cases, drivers in no-fault states may also be able to file a lawsuit against the at-fault driver for damages that are covered in at-fault states<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\" \/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/car-accident-without-insurance-not-at-fault\/\">What to do if you\u2019re in a car accident without insurance but not at fault<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\" \/>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Can you fight an at-fault accident?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>If you\u2019re found at fault in an accident but you disagree with that finding, you can dispute the decision. This usually involves presenting more evidence or proving that the original evidence was flawed in some way. In some cases, you may also need to hire a car accident lawyer to help you dispute the finding.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How long does at-fault accident stay on your insurance record?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Most at-fault accidents will stay on your insurance record for three to five years, though the exact amount of time will depend on the state you live in and the insurance provider you choose. In some cases, a severe accident may stay on your record for up to seven years, but this is rare.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Does full coverage cover at-fault accidents?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Full coverage car insurance typically covers vehicle damage but not your or your passengers&#8217; injuries. In no-fault states, your insurance often covers these injuries.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Will an at-fault accident cause my premium to rise if I have accident forgiveness?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Accident forgiveness doesn&#8217;t necessarily prevent your rate from rising if you have certain discounts or claims-free rewards on your policy. For example, if you&#8217;re getting a good driver discount for going a few years without filing a claim, that discount may be removed after an at-fault accident. Though your insurer didn&#8217;t directly raise your rate, the removed discount has a similar effect on your policy costs.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/04\/Jessica-Carter.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/04\/Jessica-Carter.png 250w, \/wp-content\/uploads\/2025\/04\/Jessica-Carter-150x150.png 150w, \/wp-content\/uploads\/2025\/04\/Jessica-Carter-56x56.png 56w\" sizes=\"auto, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Jessica Carter            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              Jessica has spent over a decade in the insurance industry, developing deep expertise across customer service, sales, and chat support. She spent 7 years at GEICO, where she gained hands-on experience helping customers navigate policy changes, coverage needs, and billing concerns. For the past 5+ years, Jessica has been at Jerry, where she continues to support customers with empathy and clarity, always focused on making insurance easier to understand. She is passionate about finding the right solutions for every situation and believes in delivering service that\u2019s both helpful and human. When she\u2019s not working, she\u2019s proudly enjoying life as a mom.            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Being at fault in an accident can increase your insurance rates by an average of 35%.<\/p>\n","protected":false},"author":19,"featured_media":42425,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"370\",\"type\":\"main-author\"},{\"id\":\"379\",\"type\":\"reviewer\"}]","jerry_author_ids":[366,370],"jerry_idx_page_label":"","jerry_meta_desc":"If you\u2019re in an at-fault accident, meaning you\u2019re found responsible for a collision, your insurance rates will rise. Get multiple quotes to find the most affordable policy.","jerry_related_posts":"[29369,34672,30893,1531,35135]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":"[]"},"categories":[],"tags":[36,31],"class_list":["post-1391","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-accidents","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/1391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=1391"}],"version-history":[{"count":20,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/1391\/revisions"}],"predecessor-version":[{"id":72163,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/1391\/revisions\/72163"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/42425"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=1391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=1391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=1391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}