When a road accident occurs, in addition to shock and fear, other consequences can occur, such as damage to the car (emerging damage), physical trauma and almost always an increase in the costs of the insurance policy .

In the event of an accident, the Convection Card is handy, a  procedure that allows the injured driver to apply directly to his own company for compensation without involving the counterpart’s insurance company.

Direct action insurance is possible when a person is the victim of a road accident caused by another person, then he or she can choose to seek compensation from the insurance company.

In case you have been involved in a car accident and want to know the increase in car insurance after the accident, keep reading this guide to get all the information.


  • How to calculate the increase in insurance after a claim
  • Increase in insurance after a no-fault accident
  • Increase in insurance after an accident with culpability
  • Policy increase for more accidents in a year
  • Is it possible to change insurance company immediately after an accident?

How to calculate the increase in insurance after a claim

When you cause a road accident, you have two options to deal with the consequences of this unforeseen event. If the damage caused is few and minor, you can decide to pay for it out of your own pocket and avoid the insurance intervention or, in the case of serious enough accidents, to rely on the insurance company with which the car liability policy was taken out.

Choosing the first option will not have many consequences, in the second case there will certainly be an increase in the cost of the car policy and a probable worsening of the merit class . To assess the reliability of drivers, insurance companies rely on merit classes established based on the number of accidents committed.

The first class represents the most virtuous motorists , up to the eighteenth which represents the category of less attentive and scrupulous drivers, therefore with a high number of accidents caused.

In the event of an accident, in addition to the increase in the policy, there is a worsening of the merit class, which will be established based on the class to which the driver belongs.

To know in advance the increase in the policy in a road accident, some platforms allow you to obtain a fairly precise projection. Just enter the name of the insurance company, the class of merit, the gross premium and the amount of the accident paid. The increase in insurance is always proportionate to the extent of the damage and to the class of merit to which one is assigned after the accident, so it depends very much on the number of accidents caused during one’s life as a motorist.

Another parameter that the insurance companies evaluate when calculating the increase in the policy also concerns the age of the insured, since new drivers will certainly be penalized more than a virtuous driver over 40 years of age.

It is not possible to know in advance and precisely how much the increase in car RC will be after a road accident, in fact it can undergo a growth of between 30% and 240% , a fairly wide range, just as it will not be possible to know in advance of the worsening of the merit class.

Increase in insurance after a no-fault accident

Many policyholders wonder if there is an increase in the cost of the policy, even if the road accident is without fault or with fault of 50% or less. To understand what this means, it is appropriate to give an example: if you are rear-ended and you are not at fault, there are some insurance companies that in any case provide for an increase in the car policy , without however affecting the merit class.

Although this practice is very deplorable and not applied by most insurance companies, it is always advisable to check that this option is not included in your contract. The increase in Auto TPL in the event of a no-fault accident or less than 50% can be between 8 and 10%, but some companies expect even more substantial increases.

Increase in insurance after an accident with culpability

Increases in insurance policies after a car accident are the custom, even if there is no fault or it is less than 50%, but what if a concurrence of fault occurs? If the blame is equally distributed among different motorists, there will be no downgrading of the merit class, but only an increase in the annual cost of the car policy.

The downgrading takes place in any case if several accidents with a low percentage of fault have been caused within 5 years, but adding them together reaches 51% or more.

Minor road accidents can increase the policy and downgrade the motorist, so many decide to pay the damages directly without involving the insurance.

Since this practice is not required by law, instead of seeing your insurance increase exponentially, you can decide to ask your insurance company to apply the redemption of the claim.

The practice of redeeming the claim consists of asking your insurance company to reimburse the amount paid directly to the injured party. In this way, there will be no increase in the policy, and you will remain in the same class of merit without being penalized according to the bonus system – malus.

Policy increase for more accidents in a year

Since the insurance system is based on the reliability of motorists, it is logical that if more accidents are caused in a year, in addition to the sudden increase in the Motor TPL policy, there will also be a worsening of the merit class.

To know precisely the number of merit classes that could be lost in the case of multiple accidents with fault, there is a simple formula to apply.

To know the lost merit classes, simply calculate them using this formula: X3-1, where X is the unknown that represents the number of accidents caused in a year. For example, if a motorist has caused two road accidents in the space of a year, the calculation will be as follows: (2 × 3) -1 = 5, as a result five merit classes will be lost.

Accumulating accidents in a year, even if minor, entails a considerable downgrading and a sharp increase in the overall costs of RC Cars.

Is it possible to change insurance company immediately after an accident?

When a claim occurs, and you do not want to increase the cost of the insurance policy, you ask yourself if it is possible to change the insurance company before the increase is applied; the answer to this question is yes, but beware there are some cases where it is more advantageous to change insurance company than others, let’s see which ones.

It should be emphasized that it is never possible to prevent a claim from worsening the insurance situation, but the negative consequences can be postponed for a year. Insurance companies make budgets of the policies on the basis of ‘ risk certificate motorist, where they are also noted incidents committed up to 60 days before the renewal date, this period is called the period of observation.

If the accident were caused a few days before the expiry of the policy, this event would not be reflected in the risk certificate, and you can change company without having an increase in the policy and a change in the merit class, even if this event will be postponed by only 12 months.