Will Your Insurance Go Up After Filing a No-Fault Claim?

Your insurance rates can go up after filing a no-fault claim, and this is true even if the other driver is responsible for the accident and, therefore, your damages. However, there are essential steps you can take to help you avoid this costly expense. One of the most critical steps is retaining the professional legal representation of an experienced Williamsport car accident attorney at Mette Law early on.

If You Caused the Accident in Question

If your no-fault claim relates to an accident that you caused, you should expect your insurance costs to increase. This is the nature of insurance: it is designed to balance the risks the insurer assumes with profitability. Generally, this results in higher insurance rates after an accident.

If you caused an accident that led to a no-fault claim, there is the possibility that your insurance provider offers accident forgiveness. This can prevent your premiums from increasing in response, and it is generally based on the length of time you went without an accident before the one in question. If this option is available to you, it is well worth pursuing.

Near Automatic Increases 

Some insurance providers automatically increase premiums after each payout, including small ones. If you file a no-fault claim against your personal injury protection (PIP) coverage, it is very likely to trigger a policy inspection that could lead to an increase in cost.

Proving the Other Driver’s Negligence

If you can provide your insurance company with strong evidence that the other driver’s negligence directly caused the accident behind your no-fault claim, it could make a big difference. The kind of evidence that has the potential to help includes the following:

• The police report and any tickets issued, which may succinctly establish that the other driver was speeding or impaired
• Pictures and videos captured by onlookers, the occupants of other vehicles, dashcams, security cameras, or traffic cameras
• The testimony of eyewitnesses
• Physical evidence from the scene of the accident, including skid marks, paint transfer, and the landing locations of the vehicles
• Accident reconstruction models that clarify accident details

How a Knowledgeable Car Accident Lawyer Can Help

By working with a dedicated car accident attorney, you help set the stage for an optimal outcome. You can count on your seasoned legal counsel to skillfully negotiate for comprehensive compensation that addresses your full range of covered losses. This is in addition to taking the steps necessary to establish the other driver’s fault and potentially avoid or reduce any future cost increases.

It’s Time to Consult with an Experienced Harrisburg Car Accident Lawyer

The formidable Williamsport car accident attorneys at Mette Law understand the financial burden associated with increased insurance rates in response to another driver’s negligence, and we will employ the full scope of our legal experience and skill to help you avoid this outcome. Learn more by contacting us online or calling us at 717-232-5000 today.