How does your driving record impact your no-fault auto insurance pricing?

Hi, this is Brai with Phil Klein Insurance Group and today we're going to talk about the impact your driving record can have on your auto insurance.

First, your driving violations. Anything from not stopping at a stop sign, speeding, or failure to yield all fall into the category of a moving violation. If you receive one, it will impact your auto insurance rates.

Next are claims or "losses." A claim is anything paid on your behalf by your insurance company. That can range from vehicle repairs to medical expenses if an auto accident requires you to go to the hospital or having any liability payouts if you're sued for an accident that you caused.

These claims include at-fault AND not at-fault accidents along with things like damage to your windshield and even towing or emergency roadside assistance. Even unpaid claims CAN affect your pricing if you reported the incident to the insurance carrier. Sometimes the impact can be felt when you lose discounts such as "accident free" or "claim free" discount.

If you have any questions, give us a call at [phone] or visit us at www.PKIG.com