Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 20, 2021

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Key Takeaways

  • All car insurance companies assist customers with accidents, but some are easier to work with than others
  • Some companies allow you to file accident claims online or through an app
  • Your car insurance rates will increase after an accident

Accidents happen, and car insurance companies are there to help you when they do. However, they may do that differently.

Car insurance companies that assist customers with accidents will still increase your rates after an accident.

If you’ve had an accident, it’s a great time to shop around for car insurance. Compare multiple companies to see who can give you the best deal.

Keep reading to learn about car insurance companies that assist customers with accidents. Enter your ZIP code now to compare free quotes from companies in your area.

Which car insurance companies assist customers with accidents?

There really aren’t any car insurance companies that don’t assist customers with accidents. Although some companies make it easier for a driver to file a car accident insurance claim.

Rates from car insurance companies that assist customers with accidents will vary since each company will weigh your accident differently.

This table shows you the average annual rates from top companies for drivers with one accident on their driving record.

Average Annual Car Insurance Rates for One Accident
CompanyAverage Annual Rates with 1 Accident
Allstate$4,987.68
American Family$3,722.75
Farmers$4,518.73
GEICO$3,192.77
Liberty Mutual$6,204.78
Nationwide$3,396.95
Progressive$4,777.04
State Farm$3,396.01
Travelers$4,289.74
USAA$2,516.24
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USAA and GEICO charge drivers the least if they have been in an accident but rates can still increase by around $80 a month.

Some companies offer an accident forgiveness car insurance perk if you’ve only had one accident. However, not all companies offer it, and sometimes rates are higher in general with companies that do.

If you get too many accidents on your driving record, you can be labeled a high-risk driver and be charged even higher auto insurance rates.

What do you need to know about filing a car insurance accident claim?

Filing a car insurance claim doesn’t have to be a headache. Most companies make the insurance claim process for car accidents as easy as possible, even allowing you to file a claim online or through an app.

There is a process that you need to follow if you are in an accident and will need to file a claim.

One of the most important things you can do is have all of your paperwork in order according to the Insurance Information Institute.

You will need a copy of your police report, any bills related to the accident, and fill out a claims form through your insurer.

There are several reasons car insurance companies deny claims, including not having the proper documentation and not having the right coverage for your claim.

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How can drivers with accidents save money on car insurance?

Even if you have an accident on your driving record, you can still find cheap car insurance. There are several things you can do to get lower rates.

First, see what discounts are available for you. Not all discounts are related to your driving. Consider a multi-car discount, good student discount, or even discounts for the features on your vehicle.

Second, take a defensive driving course. Not only will you get a discount for taking the class, but most states will also remove points from your driving record. You will also learn valuable safe driving tips that will help you avoid another accident.

Third, consider usage-based car insurance. This type of insurance is generally cheaper depending on how much you drive. Usage-based insurance charges a small base rate and then charges per mile you drive.

You can also consider raising your deductibles and lowering your coverage amounts. Keep in mind, you would be responsible for more out-of-pocket costs if you are in another accident.

Car Insurance Companies That Assist Customers With Accidents: The Bottom Line

All auto insurance companies assist customers with accidents, but how claims are filed will differ by company. How much your rates will increase after an accident will also differ.

Keep your rates low by asking for discounts, taking a defensive driving course, and rethinking your coverage. Also, compare other companies to make sure you are getting the best deal.

Shop around and compare quotes from car insurance companies that assist customers with accidents to find the lowest rates for you.

Now that you know about auto insurance companies that assist customers with accidents, enter your ZIP code to compare quotes from companies near you for free.