If you have been involved in a car accident that was not your fault, you might wonder whether it will increase your auto insurance rates. While it may seem unfair, motorists who get into collisions caused by another driver can still see their rates increase in certain cases. Please continue reading as we explore when a no-fault accident can raise your insurance premiums and how a determined Bronx Car Accident Lawyer can assist you.
Can My Own Insurance Rates Go Up If the Accident Wasn’t My Fault?
Following an accident, your car insurance rates could go up even if you weren’t at fault. Insurance premiums can go up depending on the circumstances of the collision, the types of coverage you have, and your claims history. Insurance companies typically consider any claim filed on your policy, regardless of who was responsible when calculating premiums. However, the increase might not be as significant as if you were at fault for the crash.
You should note that some insurers adjust rates differently. Therefore, you should review your policy and contact your insurer to understand the specifics.
What Steps Should I Take If I’m Involved in a Car Accident?
If you have been involved in a car accident, the first thing you should do is ensure everyone’s safety. Assess yourself and any passengers for injuries and call the police to seek immediate assistance. If you are physically capable, you should document the scene with photos and videos. This will provide objective evidence of the incident, which can be vital in establishing your fault and supporting your insurance claim, especially if the other party disputes the details of the accident or the extent of your damages. You should gather contact information from all parties involved.
From here, you should file a claim with your insurance company. Even if you are not at fault for a collision, it’s crucial to inform your insurer of the accident. They will instruct you on your next steps and help protect your rights. Auto insurance rates can vary depending on numerous factors. While it may not significantly impact your rates, discussing your situation with your insurance provider is advisable.
In New York, car accidents are a common occurrence due to negligence. If you have been injured in one, it’s in your best interest to consult with a Bronx car accident lawyer from James Newman, P.C., who can get started working on your case. We are prepared to do everything in our power to get you the justice you deserve. Connect with our firm today to learn more about what we can do for you during these difficult times.
