This article is specifically for people who have been in car crashes. (I’m sorry to hear that—I hope you’re doing okay!).An underwriter determines the cost of Life Insurance. That might sound like boring information, but it’s essential to know before I discuss costs. So, underwriting is a mix of math and science performed by perpetually bored people in the dungeons of Life Insurance buildings. They do the math to determine the risk of your dying, which, in turn, reflects the chance the insurer would actually have to pay out on your claim.The higher your chance of dying, the higher the cost of your insurance.It’s bleak, but it is what it is.Your age, the type of work you do, any medical history, and your general health are factors that raise your chances of dying (in the insurer’s eyes).You can see where a car accident slots in here.To illustrate the point, we’re going to look at two examples.Mary is 40. She was in otherwise good health when she was in a car crash. A driver hit her car, and she walked away with a broken arm but no other injuries.Mary’s arm healed, and she’s in perfect nick otherwise.She suffered no lasting damage, so she should be able to get the standard price for life insurance after a car accident.She needs to get €250,000 Mortgage Protection coverage over 25 years because she’s getting a mortgage.Mary’s quote looks like this: