An automobile accident is expensive—not only in terms of the damage to your car and your potential medical bills, but also in terms of future costs. Most insurance companies will raise your rates after an accident, a cost that adds up over time. Personal injury lawyer Stephen B. Kaufman, P.C. in the Bronx, NY, has seen a wide array of automobile accident cases and recommends the following.

First, each company has its own policies, so make sure to review your plan so you'll know what to expect. Some companies offer accident forgiveness for your first collision or will lower your rates again after a certain amount of time without a crash. Others may draw a hard line and penalize you for even the most minor accident.

Even within a single company, your treatment will vary based on several factors. A severe accident is more likely to raise your rates than a minor one, and your insurance company may be more understanding if the other driver was at fault. Possibly the most decisive factor is your value to the company. Safe drivers who seldom or never crash are the cheapest to insure. If this describes you, the company is more likely to do whatever it can to keep you—including keeping your rates low.

There are also a few things you can do to keep your rates low. If you're unsatisfied with your current rates, shop around for the best deal, and negotiate with your insurer to match any offers you may find. Also, make sure to follow your insurer's policies regarding accident claims. File promptly with accurate information, and make yourself easy to work with. Ultimately, though, the best way to keep your insurance rates low is to avoid future accidents.

If you're having difficulty with an automobile accident claim, Steven B. Kaufman, P.C. will help. Contact them today at (718) 822-0500 or online to discuss your case and see what an accident attorney can do for you.