Your insurance may go up after a claim that is not your fault. Insurance companies focus on their bottom line above everything else. They look for any reason to increase insurance rates. Therefore, an insurer likely will raise your insurance rates, even if a claim is not your fault.
A Boston car accident lawyer answers your questions about whether your insurance goes up after a claim in which you are not at fault. Your attorney wants you to hold any liable parties accountable for your auto accident losses. They negotiate a settlement with your insurer. If necessary, your lawyer proceeds with a personal injury lawsuit on your behalf.
Does Your Insurance Go Up After a Claim That Is Not Your Fault in Massachusetts?
In all likelihood, your insurance goes up after a claim that is not your fault in the Commonwealth. Massachusetts is a no–fault state for car insurance. Following an auto accident, notify your insurance carrier. Next, your insurer covers your losses, regardless of who is at fault.
A Boston car accident attorney handles insurance settlement negotiations. They know the challenges people face with personal injury insurance claims after car accidents. Your lawyer tackles these challenges and positions you to receive fair compensation.
There are times when a driver’s auto insurance coverage is not enough to cover all of their accident-related losses. Partner with a Boston personal injury lawyer if someone else is to blame for your auto crash and your insurance coverage is insufficient.
They explain your legal options and how to request compensation from a liable party through a personal injury lawsuit.
Factors That Determine if Your Insurance Goes Up After a Claim
There is no guarantee that your insurance will go up after a claim that is not your fault. Ultimately, many factors impact an insurance company’s decision of whether to raise your rates. These include:
Your Driving Record
Those who have gotten speeding tickets or received other driving violations are more likely than others to see an uptick in their insurance costs following a claim that is not their fault. Alternatively, being a safe driver boosts your chances of avoiding an insurance rate increase after an auto crash in which you are not to blame.
Your Claim History
An insurance company examines a client’s past claims carefully when deciding whether a rate increase is warranted. It is more likely to increase the cost of coverage for someone with a history of claims than for an individual who does not.
Your Accident Losses
How badly you are injured, the damage to your car, and other accident losses dictate whether your insurer raises your rates after an accident. It is less likely that your insurance company will hike your costs for a minor accident. Comparatively, if your accident losses are significant, your insurer likely will charge you more for coverage than it did previously.
A Boston car crash lawyer describes the basics of auto insurance and times when coverage costs increase. Your attorney wants to make it clear to your insurer that you are in no way to blame for your auto collision. They submit your claim and help you get the money you need to recover financially from your crash.
Tips to Avoid Having Your Insurance Go Up After a Claim in Which You Are Not at Fault
Review your auto insurance coverage with a Boston car collision attorney. Share any concerns or questions you have about your insurance policy with your lawyer. From here, your lawyer discusses Massachusetts’s insurance loophole and other relevant legal topics with you. They initiate the claims process and assist you every step of the way.
Inform your auto insurance company about your accident, as this opens an investigation. Let your insurer know if you have concerns about your insurance going up after a claim that is not your fault. Some insurers offer accident forgiveness programs, which help clients avoid rate increases after auto crashes.
If your insurer intends to increase your rates following an accident, you do not have to keep the coverage you have from this company. Shop around for insurance plans and get multiple coverage quotes. If you receive a quote that aligns with your budget, make the switch from one insurer to another.
Get Legal Help After an Auto Accident in Which You Are Not at Fault
You are worried your insurance is going up after a claim that is not your fault. Trust a Boston personal injury attorney to assist you with your claim. Your lawyer wants you to focus on your recovery from your auto accident. Meanwhile, they engage with your insurance company about your claim and help you get a reasonable settlement or move forward with an injury lawsuit.
If you are uncertain about what to do after an auto collision, Better Phone Stone®. The legal team at Jason Stone Injury Lawyers has recovered more than $250 million in compensation for our clients.
Our personal injury lawyers give your car accident case their undivided attention. Call 24/7 to speak with us about your case.
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