Insurance 101


Why does the premium for my automobile insurance increase after I have an accident or if I receive a ticket?

Statistics show that people who have recently had an accident or received a ticket are more likely to have another accident or receive another ticket in the next few years than people whose recent driving record has been incident free.

Insurance companies use this information not to punish people who have had an accident, but to charge them the premium that most accurately reflects their likelihood of having an accident. People who are more likely to have accidents should reasonably be expected to pay higher premiums.

See more frequently asked questions.

Make A Payment Request A Quote Report A Claim Service Request


© Pilat Insurance Agency Inc.5925 Ridge Road, Parma, Ohio  44129-3996      Phone: 440-888-1150