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I’m 17 and Hit a Car

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/28/2015

The repercussions after you hit a car affect not just you.

Question: I am 17 years old. I was on my way to school and I hit a car. I was pressing the brake pedal to slow down and stop but it wasn’t working and I ended up hitting the side of the other guy’s car. I drive a truck, there wasn’t much damage to it, just a broken head light, 2 dents to the front bumper and its leaking antifreeze. The guy that I hit, he car got dented up a couple of places. The back door by the passenger side is where got hit. The police were called and everything was sorted out. I am not on the insurance policy because it was my uncle’s truck I was using. How much would the insurance go up? Would it go up? Please help.

Answer: Yes, your uncle’s insurance is most likely going to go up because it was his insurance company that paid for the accident. You are also going to see high insurance rates when you get your own insurance because the accident is going to be on your DMV record. As far as the amount each insurance policy will go up because you hit a car, there is no way to be able to tell you.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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