Will my insurance rates go up if I file a personal injury claim in Baton Rouge and Metairie LA?
One of the most common reasons accident victims don’t file a personal injury claim is because they fear it will have a negative impact on their insurance rates. If you were injured through no fault of your own, how can the company penalize you for something you didn’t have control over?
It Doesn’t Hurt to Pursue Your Claim
Pursuing, and even winning a personal injury claim doesn’t mean your insurance rate will increase. When you pursue a claim, there’s no guarantee that you will win, so the insurance company won’t have cause to increase your rates. When you win a case, it means the court found you to be not at fault for your accident (or at least less than 50% at fault), which also does not give them the right to raise your rates.
The only time companies have a right to raise your insurance rates is when you are found to be the negligent or at-fault party. The defendant in your case may have his or her rates raised, because they were the ones found to be the cause of your personal injury.
Be Aware of Repetitive Claims
There is one red flag that can be raised when the insurance company reviews your policy. Too many collision claims in a car insurance policy can cause the company to raise questions of your liability. Some insurance companies do limit the number of claims you can submit before they will drop your coverage, so it’s important to have a Louisiana personal injury attorney who is well-versed in car insurance rates and coverage working on your side.
How a Louisiana Personal Injury Attorney Can Help
Never be afraid to have a Louisiana personal injury attorney examine your claim. Most attorneys will give you a free initial review and consultation on your accident and explain your options for filing a personal injury claim. They may have even dealt with cases similar to yours with the same insurance company and can explain various outcomes.
The Louisiana personal injury attorneys at the Law Offices of J. Price McNamara have seen hundreds of cases and can protect you from the dangers of insurance rate increase. Contact us to schedule your FREE legal consultation today – 866-248-0580.