Is An 82% Increase In Auto Insurance Premium Unfair? 
I have to be honest with you , I believe that your premium increased as a result of the accident . However , there can be a few `` layers '' to the increase that you as a policyholder do n't actually see . Your initial rate was probably in part because you had a safe driving record and were therefore provided a discount . The accident removed that discount . In addition , it is possible that in accordance with MD state law , your insurance company was also allowed to surcharge your policy a percentage based upon the total amount of claim paid . The two together can add up . You can always satisfy your curiosity by shopping of course . Now that you have had some experience with accident related increases , look for a company that offers accident forgivemess as an option . While you are at it , look for a opportunity to bundle your insurance for premium savings . Companies do offer this for such things as also insuring your home and buying Life Insurance . 