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About Denise
Expertise
I am a licensed Property/Casualty agent in the state of Wisconsin, a Certified Insurance Counselor and a Certified Insurance Service Representive, with a 15+ year background in personal insurance underwriting. I am currently working in the Homeowners and Auto field, and was licensed in Life and Health insurance years ago. I can provide input if you will give me a "one paragraph what`s the story", however depending on the situation, do note that as policy forms and endorsements vary by the state, the information may be general and educational in nature.

Experience
20+ Years Organizations CIC, CISR, API

You are here: Experts > Money > Personal Insurance > Insurance Law > 17 year old in an accident

Topic: Insurance Law

Expert: Denise
Date: 5/7/2008
Subject: 17 year old in an accident

Question
Hello,

I have a 17 year old daughter who has had her license for a little over 1 year. Yesterday she was following my wife's SUV in her car and at a traffic light my wife had to suddenly stop. My daughter was unable to stop the car on time and drove into the back of the SUV. My daughters car has damages worth about $3300.00 but the SUV is not damaged. The airbag in my daughters car did not deploy. I am not sure if I should report this to my insurance company or just get the car fixed on my own. I need some guidance, especially to know how filing a claim with my insurance company will impact my rates and my daughters license.

I sincerely appreciate your feedback.

Thanks

Answer
Hi Corolla-
Filing a claim with your insurance company will definately impact your insurance rates. If the police were not there, then it should not impact her drivers license. If they were, it may, depending on state law regarding youthful drivers. If the police were not there, you may be better off in the long run paying for the repairs out of pocket, as an at fault claim will really drive up her premiums. Hope this helps. :) Denise

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