How Will an Injury Claim Affect My Insurance Coverage?

Personal Injury Lawyer

As you get behind the wheel of a vehicle, there is always some risk. Safety should be your No. 1 concern. Accidents happen, of course. Sometimes, you may be at fault, while at other times, your injuries may be due to the other person’s negligence or disregard. Auto insurance policies are available to provide protection and financial help. However, in the event of an injury claim, your insurance premiums may be affected.

When It’s Not Your Fault

In the event of a car accident where the collision was not your fault, you shouldn’t have to worry about your insurance premiums going up. If the other party tries to file a claim against your insurance, your carrier will deny the claim. As for you, the Personal Injury Protection on your auto insurance should provide coverage for medical care and treatment up to a certain amount per person injured. You should also file a claim against the other driver’s insurance. Because he or she was responsible for the injuries, this policy should kick in and pay additional amounts for your medical care.

When It’s Your Fault

It’s a different story if your actions caused your injuries and injuries to anyone else. Be prepared to see an increase in your monthly premiums. There are some factors that will affect how much these increase. The insurance company will consider prior accidents and claims as well. The amount your premium goes up should be the same whether the other party seeks damages for the vehicle only or whether he or she files a claim for car damages and injuries.

Hire a Lawyer

In the aftermath of a car accident that causes injuries, you should hire an experienced personal injury attorney. Do this whether the accident was your fault or due to the other driver. Your attorney will look at all the facts of the incident and will build a case for you—whether in your defense if someone else sues you or to help you file a suit against the other party. Lawyers know how to negotiate with insurance companies and work to achieve the best possible outcome for you. With your lawyer’s help, you should have peace of mind to know that your policy won’t be affected if you file a claim with the other person’s insurance company.

Be prepared to pay more each month for your auto insurance coverage if you were to blame for an accident. If you were guiltless in the incident, your premiums should remain the same.

Source: Personal Injury Lawyer Deer Park, TX, John K. Zaid & Associates

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