Just Because the Loss Fell Off Doesn't Mean the Price Will.
Aged-out losses don’t always translate into lower renewal pricing because repricing isn’t automatic.
Read More →At-fault accidents
Direct answer
At-fault accidents can trigger surcharges and tier changes that persist across renewal rating windows.
Why it changes price
- Most carriers use multi-year windows; “falling off” timing varies by carrier and state.
- Even when a loss ages out, repricing isn’t automatic—renewal and tiering can lag.
- Base rates can rise while your individual signal improves, masking the drop you expected.
Decision rule
If a loss aged out but pricing didn’t improve, shop for appetite fit at renewal before cutting coverage.