Glossary term
At-fault accident
At-fault accident: A crash the insurer determines you caused. Surcharged; not-at-fault accidents usually are not.
Where this term matters
Guides and entries on this site that use the term.
Guide
How Your Driving Record Affects Car Insurance
What tickets, at-fault accidents, claims and a DUI do to a premium, how long each stays in rating, and how insurers look back.
Entry
How Long Does an Accident Stay on Your Car Insurance Record?
Learn how long an at-fault accident affects your car insurance rates, how insurer surcharges work, and how to lower your premium while waiting for it to clear.