Claim Impact on Insurance Calculator - At-fault accident
Calculate the impact of a claim on your insurance premium. Estimate your new premium and the time to recover your bonus.
💳 AUTO FINANCING: Monthly payments and credit costs shown are ESTIMATES based on average market rates. The actual APR depends on your profile (income, down payment, credit history), the lender, and current conditions. These calculations do NOT constitute a credit offer. For financing, contact multiple lenders and compare PERSONALIZED offers. Credit is a commitment and must be repaid.
Frequently Asked Questions
How much does my premium increase after a claim?
An at-fault claim increases your coefficient by 25%, resulting in an equivalent premium increase. The impact on your premium in euros depends on your current premium and coefficient.
How long to recover my old bonus?
It takes about 5 years without a new claim to compensate for an at-fault accident (0.95^5 ≈ 0.77). To recover exactly the same coefficient, the calculation depends on your level before the accident.
Should I change insurers after a claim?
It can be advantageous as new insurers sometimes offer competitive rates. However, you must declare your claims from the past 2 years and some insurers refuse penalty profiles.