One moment you are driving through Dayton, and the next you are dealing with pain, a damaged car, and a phone that will not stop ringing. Between doctor visits and repair estimates, money starts to feel like one more thing to carry, and one worry keeps coming back: How much does insurance go up after an accident? For an at-fault crash, the increase is usually noticeable, though the real impact depends on who caused the collision, how serious the damage was, and where you live.
At Dyer, Garofalo, Mann & Schultz, our Dayton car accident lawyers can help you protect your claim while you put your energy into getting better.
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After a collision, your insurer looks closely at what happened before deciding whether your premium changes. These are the factors that usually matter most:
Here in the Miami Valley, severity is far from abstract. An Ohio State Highway Patrol traffic safety bulletin reports that Montgomery County recorded 304 fatal crashes from 2020 to 2024, while I-75 and I-70 ranked among the state’s leading roadways for fatal crashes. When a serious collision results in larger payouts, the responsible driver usually faces a steeper insurance rate increase.
Fault often decides whether your premium moves at all. Even when the other driver caused the crash, you may still wonder: How much does insurance go up after an accident? Under Ohio Revised Code Section 3937.23, your insurer cannot raise your premium after a crash with an uninsured or underinsured motorist when you did not cause the loss and were not convicted of, and did not plead guilty or no contest to, a related violation. Outside that situation, your policy and your insurer’s practices decide how a not-at-fault claim affects your rate.
The crash alone does not add points to your Ohio driving record. Points are assessed for a conviction of a related violation, such as speeding or failing to yield. Under Ohio Revised Code Section 4510.037, you receive a warning letter once your points exceed five, and 12 or more within a two-year period leads to a license suspension. Because insurers set their own look-back periods, a ticket you believe was unfair deserves a second look.
If you or a loved one has been seriously injured, don’t hesitate to seek legal counsel with us right now!
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You have more control here than it may feel like right now. A few early moves can protect your record and your claim:
None of these steps asks you to have all the answers right now. Taking them early can help limit a premium increase after a car accident, and it keeps you from a common misstep drivers make when they feel pressure to put the crash behind them quickly.
We understand the temptation to admit fault and move on, but that choice can follow you into your injury claim. Under Ohio Revised Code Section 2315.33, Ohio’s modified comparative negligence rule, often called the 51% rule, lets you recover damages as long as your share of fault is not greater than the combined fault of everyone else, though any award shrinks by your percentage. One offhand admission at the scene or on a recorded call can push that number higher, or past the point where you recover nothing at all.
If you’ve faced an injustice with your disability benefits, reach out for legal guidance without delay!
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Worrying about an insurance rate increase after a crash makes sense, but your health and your right to fair compensation matter far more. Our team at Dyer, Garofalo, Mann & Schultz can help you understand where you stand on fault before you ever speak with an adjuster. Contact us today at 1.937.222.2222 for a free consultation.
Before establishing Dyer, Garofalo, Mann & Schultz L.P.A., the top Ohio Injury Attorney served as a bodily injury claims adjuster at a major insurance firm. With over 40+ years of experience, Doug’s background has proven invaluable in securing maximum cash settlements for his clients swiftly. Since leaving the insurance industry, Doug has devoted his entire legal career to assisting injured clients during their times of greatest need. Facebook | Twitter | LinkedIn | YouTube | Super Lawyers | Avvo | Justia
Before establishing Dyer, Garofalo, Mann & Schultz L.P.A., Doug Mann, a top Ohio Injury Attorney served as a bodily injury claims adjuster at a major insurance firm. With over 40+ years of experience, Doug’s background has proven invaluable in securing maximum cash settlements for his clients swiftly. Since leaving the insurance industry, Doug has devoted his entire legal career to assisting injured clients during their times of greatest need.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Founding Partner, Doug Mann who has more than 30 years of legal experience as a practicing personal injury attorney.
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