As a South Florida personal injury firm our office reviews and handles hundreds of cases yearly. Every so often we are faced with a client/claimant who is afraid to file a claim because they are afraid of a rate increase. What should you do when faced with this scenario?
Will your automobile insurance premiums jump up after you’re in an accident and make a claim? If you were not to blame for what happened, then the answer is easy. No. This is true even if you are injured in the accident and you file an insurance claim to cover your harm. In a rear end collision the driver who is rear-ended should not experience or be assessed a rate increase.
If you are partially or completely at fault you may experience a rate increase as a result of the accident. An example of partial fault is an intersectional collision that usually will be determined to have been caused by the negligence of drivers involved.