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Will GEICO drop me after my most recent accident?
How many accidents can you have before a company drops you? I had a few accidents a couple of years ago, and since then I have been working really hard on my driving. I have even taken a defensive driving class to improve. Well, I was in another accident the other day, and now I am worried GEICO will cancel my policy.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
GEICO
won’t drop your coverage after your most recent accident, but they may choose not to renew your policy at the next renewal period.GEICO and most other standard carriers have a three-year, 36-month rule: if you have three or more at-fault accidents within 36 months, your policy will be non-renewed.
Another thing to be aware of is that all carriers report to a consumer reporting agency called CLUE. CLUE collects accident and prior carrier information that is shared amongst the insurance companies.
This means that if GEICO doesn’t renew your policy due to accidents, other insurance companies might deny a new policy for the same reason. To find a new policy, you’ll likely need to try non-standard carriers that specialize in
“high-risk” drivers
like:View full answer
- Gregory R.
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