In this scenario, the most likely impact to Mitch's auto insurance policy would be that his premium has increased. Insurance companies consider a driver's history of accidents and moving violations when determining their risk level. Since Mitch has been involved in a car accident and received two moving violations within a relatively short period (22 months), the insurance company may view him as a higher risk to insure.
As a result, the insurance company is likely to increase Mitch's premium to compensate for the increased likelihood of him being involved in future accidents or violations. This increase in premium helps the insurance company cover the potential costs of insuring a driver with a history of incidents.
To summarize:
1. Mitch's premium is likely to increase due to his history of a car accident and two moving violations in the past 22 months.
2. This increase in premium is a common practice by insurance companies to offset the higher risk associated with insuring a driver with a record of accidents and violations.
