If a driver has an accident in the fall and winter, he should consider whether it is financially worthwhile to settle the damage himself. jsonResponse.

If a driver has an accident in the fall and winter, he should consider whether it is financially worthwhile to settle the damage himself. jsonResponse.

According to a report by supertipp-online.de, the autumn season is dangerous for drivers as visibility restrictions such as fog, wet conditions and leaves increase the risk of accidents. In addition, an accident can significantly increase the cost of car insurance. The insurance premium may increase not only next year, but also in subsequent years. You can also consider paying for repairs to accident damage yourself in order to avoid a downgrade from the no-claims class and thus higher premiums. The downgrading occurs regardless of the amount of damage, which can make it useful to settle accident damage yourself. The rule here is that it is usually worth paying for damages of up to 1,000 euros yourself. You can also “buy out” damage later to avoid the consequences of a downgrade. It is also important to consider whether it is worth taking out discount protection in order to minimize the consequences of a downgrade.

These facts from the article show that fall and winter are more dangerous for drivers, which is why insurance premiums can increase. It is important to consider whether it is worth settling damages yourself in order to avoid downgrades and higher contributions. It may also make sense to take out discount protection to minimize the impact of a downgrade. It is therefore advisable for drivers to carefully examine their individual options and adapt their insurance accordingly.