Glossary term
At-fault accident
At-fault accident: A crash the insurer determines you caused. Surcharged above a payout threshold; not-at-fault accidents usually are not.
Where this term matters
Guides and entries on this site that use the term.
Guide
High-Risk Insurance After Accidents
How one, two or more at-fault accidents change your premium and insurer options, how long they count, and how to shop after a nonrenewal.
Entry
Adjusting Deductibles and Coverages to Lower High-Risk Auto Rates
Learn how raising deductibles and dropping optional physical damage coverage can reduce high-risk car insurance premiums while maintaining legal compliance.