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How will my first accident as a teenage driver in Idaho affect my insurance rates?
"I wasn't paying attention when I backed out of a parking space and I hit someone's car. There wasn't much damage to either of our cars, but I gave the other driver my insurance information. What can I expect to happen now in terms of my rates and how will this whole insurance process work?"
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you are set on going through
car insurance
(rather than settling out-of-pocket with the other driver), then you can probably expect a significant rate hike. This is because you are a teen driver without much experience and this will likely be considered an at-fault accident in the eyes of the insurance companies. Both you and the other driver will contact your respective insurance companies. Once the other driver files a claim with their company, you can expect the insurance companies to handle the situation.
Your
liability insurance
should cover the damages to the other driver’s vehicle and your collision coverage
, if you have it, will cover the damages to your vehicle should you choose to get it repaired.”View full answer
- Gregory R.
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