Accident Surcharge Calculator

No -- these are illustrative percentages meant to demonstrate the general shape of at-fault surcharge pricing (worse accidents cost more), not a universal or state-filed rate. Real insurers set their own at-fault surcharge factors, which vary significantly by state, company, and your specific driving history, and are typically filed with state insurance regulators rather than published in a single public table. Use this as a starting-point estimate, then confirm the real figure with your insurer or a quote.

Accident Forgiveness in this model waives the surcharge for exactly one at-fault accident, so with At-Fault Accidents set to 1 and forgiveness enabled, there are zero "effective" (non-forgiven) accidents left to apply Accident Severity's surcharge rate to -- the result is $0 in added surcharge regardless of how severe that single forgiven accident was. A second at-fault accident on the same record, though, would still be surcharged even with forgiveness enabled, since only the first one is waived.

New Annual Premium reflects a single year's premium with the surcharge applied -- it's the same figure every year the surcharge is active. Years Surcharge Stays only multiplies that one-year surcharge amount into Total Surcharge Cost, the output that projects the full cost across every year the surcharge remains on your record (typically 3-5 years for a real at-fault accident).

Within this calculator's model, yes -- Accident Severity's rate (20% for Minor, 35% for Moderate, 60% for Major) scales directly with New Annual Premium and Total Surcharge Cost, so a Major accident always produces a larger surcharge than a Moderate or Minor one at the same premium and accident count. In the real world, actual severity classification and its effect on pricing depend on your insurer's specific underwriting rules, which this simplified three-tier model does not capture.