If you are driving down the street in Bethlehem, Pennsylvania and slam into a telephone pole because of a break fail, your full coverage auto insurance policy will pay to have your car repaired. If the accident in Northampton County was caused because your brakes failed when you tried to stop, it is unlikely that single incident will cause your credit score to drop.

While it is true that your credit score is one of the factors used by your auto insurance company to set the premium on your policy, it is also true that the score is more affected by the number of accidents you have rather than the reason that caused the accident.

So, if you take your car down to your local Bethlehem mechanic and get him to certify that your brake pads were worn or you did not have enough brake fluid in your cylinder that is not going to have an impact on whether or not your credit score will drop down or move up a few points.

In fact, your failure to properly maintain your car is most likely the reason that you had brake failure. Your insurer may consider the fact that you are irresponsible about maintaining your car in safe operating condition and consider you to be a higher-risk driver. From another viewpoint, if you can prove that somebody sabotaged your auto by cutting the brake line, then, your auto insurer will not put any negative mark against your credit score.

As your independent agent here in Northampton County, Pennsylvania, we understand that you are concerned about getting a lower credit score and having it result in a higher insurance premium bill to pay. Rest assured, Insurance companies use insurance credit scores as only a small part of their overall risk assessment process when writing a policy.