Unfortunately, accidents do happen.  That is why we have insurance!  Many customers ask us what is the difference between a minor and a major accident, in terms of insurance.  There are two main differences between them.

Minor Accident:  this is when the accident claim payment is more than $1000 and up to and including $5000 for damage to someone else’s property, collision, limited collision or bodily injury to others.  A minor accident results in 3 points on your driving record for 6 years.

Major Accident: this is when the accident claim payment is more than $5000 for damage to someone else’s property, collision, limited collision or bodily injury to others.  A major accident results in 4 points on your driving record for 6 years.

The more points you have on your driving record the more you will pay for car insurance.  If you have any questions on whether to file a claim or on claim payments and points, please give us a call www.mancuso-nowak.com.