Testimonial

“We just love our agency.  They are friendly, helpful and always there when we need them.”

- Sharon B.
Policyholder since 2007

How will a claim affect my auto or home policy?

The unthinkable happened. You had an accident. After all the dust settled and everyone (and everything) is safe and on the mend, you begin to wonder whether this claim will affect your policy premium. Every situation is different, and there are many factors we take into account to determine if or how your claim will affect your policy or premium. For an auto-related accident, some of these include:

• The cause of the accident
• Your overall driving record
• Whether you were at fault or not
• The payout amount of your claim
• The number of past claims you’ve had
• The number of year you have been insured with Meemic

For a home-related accident, some items that may impact if or how your claim may affect your policy or premium includes:

• The type of loss
• The payment amount of your claim
• The number of past claims you have had
• The number of years you have been insured with Meemic

The amount of any premium adjustment, if any, will vary. If an adjustment is warranted, it will impact your next policy renewal. Keep in mind that your auto premium may not be impacted by the claim if you qualify for our accident forgiveness program. Auto policyholders that have been insured with Meemic for at least 5 consecutive years without an accident could have their first at-fault accident forgiven!

This page contains a brief description of coverages and is not intended to alter any coverage afforded in the policy. This is not a contract. Only the policy indicates the coverage afforded to you in the case of a loss. Other terms, conditions, limitations and exclusions may apply. All coverages described on this page are subject to availability and qualification.