Does NJM Insurance have accident forgiveness? This question is about NJM Insurance Group

No, NJM Insurance does not have accident forgiveness. As a result, NJM Insurance car insurance customers should expect their rates to go up by around up to 48% after an at-fault accident, even if it’s their first one. If you are looking for a policy with accident forgiveness, it can be purchased from most major car insurance companies. Best Car Insurance Companies for Accident Forgiveness Allstate Geico Farmers Liberty Mutual Progressive If you wish to keep your policy with NJM Insurance, there are other ways to lower your rate after an accident. For example, you can look for any additional discounts that you may qualify for. You might also consider temporarily reducing your coverage. To learn more, check out reviews and key information about NJM Insurance, as well as our guide to accident forgiveness.

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Does NJM Insurance have accident forgiveness?

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This question is about NJM Insurance Group

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Candace Baker, Car Insurance Writer

@candacebaker • 05/05/23 This answer was first published on 04/13/23 and it was last updated on 05/05/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, NJM Insurance does not have accident forgiveness. As a result, NJM Insurance car insurance customers should expect their rates to go up by around up to 48% after an at-fault accident, even if it’s their first one. If you are looking for a policy with accident forgiveness, it can be purchased from most major car insurance companies.

Best Car Insurance Companies for Accident Forgiveness

If you wish to keep your policy with NJM Insurance, there are other ways to lower your rate after an accident. For example, you can look for any additional discounts that you may qualify for. You might also consider temporarily reducing your coverage.

To learn more, check out reviews and key information about NJM Insurance, as well as our guide to accident forgiveness.

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How can I lower my car insurance after an accident?

The best ways to lower your car insurance after an accident are to reduce the amount of coverage that you pay for and compare quotes from multiple insurers. You can also take a defensive driving course and search for additional discounts from your current insurance provider. On average, an at-fault accident raises premiums by about 48%, and the increased cost lasts 3-5 years.

How to Lower Car Insurance After an Accident

1. Shop around for...

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If a car accident is not your fault, does your insurance go up?

If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.

Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And...

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How long does a car accident stay on your record?

A car accident stays on your record for insurance for three to five years, depending on the state and insurance company. After that period, an accident no longer appears on a driver’s record for insurance purposes and will not affect car insurance premiums directly.

Just remember that even if the record of the accident goes away after three years, it could take as long as five years before a driver is able to once...

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