Getting into a car accident can have your mind going a mile a minute when it comes to insurance concerns. Chances are, you’re barely scraping by with regard to living, and are on a tight budget. You start to think about what your insurance company will say and do, and conclude that they will undoubtedly raise your monthly premiums.
At Fault Driver Pays Up
Generally speaking, insurance companies cannot raise your rates as a driver if you did not cause the accident. This is usually a clear-cut case in scenarios such as the other driver being intoxicated at the time of the accident, or the other driver using their phone or being asleep at the wheel. The insurance claim is usually filed with the at-fault driver’s insurance company, and not your own. Most states require you to carry auto liability coverage; this means that the other driver will have a premium that will allow you to recover should you get into an accident with them.
Don’t Trust Indiana Auto Insurance Companies
That being siad, insurance companies can be very sneaky entities. They won’t tell you this, but they’ll examine your driving habits after this accident, and they’ll take note of any citations and tickets you may get going forward. Even if you caused the accident, you may qualify for accident forgiveness depending on your insurer, as long as you have a good driving record.
Underinsured or Uninsured Drivers
There’s also the case of the other driver being underinsured or uninsured. In such instances, you’ll be forced to make a claim against your own insurance company; that being said, it would be unethical and even downright illegal for them to raise your auto insurance premiums if you were not at fault.
Legal Help for Auto Accidents
Insurance companies are notorious for making you sign documents with convoluted language in order to minimize claims. As such, you want to have a good auto accident attorney on your side to square up against them.
If you’re looking for a good car accident lawyer, you’ve come to the right place: please call us today on 877-561-3004 for your free and confidential consultation. Thanks for choosing us, and we look forward to helping you get maximum compensation.