or the other driver doesn’t have insurance, and you have to file with your own insurance. However, this would still likely be less of an increase than if you were at fault. • Exception #3: Some companies might say you’re more likely to get into another accident because you’ve been in this one, which might increase your premium. (I know, it sounds illogical, but that’s just how this works sometimes.) • Whether or not your policy includes accident forgiveness. • What exactly is included in accident forgiveness also matters. Some companies offer it for the first accident, while others offer it for multiple small claims. Always check your policy.
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