Will My Car Insurance Rates Go Up If I Make A Personal Injury Claim?

One common concern we hear at Zweben Law Group is whether filing a personal injury claim can affect your car insurance rates. In Florida, it’s a valid question. The answer can be complicated, as several factors play a role. Generally, if the accident wasn’t your fault, your rates shouldn’t skyrocket. However, insurance companies assess risk differently. It’s important to understand that each case is unique, and we’re here to help you through this process.

The Role of Fault in Determining Insurance Rates

In Florida, as in many states, the role of fault in a car accident is a significant factor in determining whether your insurance rates will increase following a claim. Here’s a breakdown of how this works:

  • No-Fault Insurance State: Florida is a no-fault insurance state, meaning that after a car accident, each driver’s insurance covers their medical expenses and other certain losses up to a specific amount, regardless of who was at fault for the accident. This is primarily done through mandatory Personal Injury Protection (PIP) coverage in Florida.
  • Fault and Insurance Rates: Despite the no-fault system, the determination of fault still plays a crucial role, especially when it comes to vehicle damage and bodily injury claims beyond PIP coverage. If you are found at fault for an accident, it’s likely that your insurance premiums could increase. This is because insurance companies view drivers who have been at fault in accidents as higher-risk clients.
  • Partial Fault and Rates: In some cases, both parties involved in an accident may be partially at fault due to Florida’s comparative negligence law. If you are partially at fault, you may still see an increase in your insurance rates, although it might not be as significant as it would be if you were entirely at fault.
  • Gathering Evidence: To accurately determine fault, it’s crucial to gather all relevant facts and evidence related to the accident. This includes police reports, witness statements, photographs of the accident scene, and other documentation that can help clarify what happened. This evidence is essential not only for insurance claims but also if the case goes to litigation.
  • Legal Assistance: The complexities of fault, insurance claims, and potential legal proceedings can be challenging. This is where legal assistance, like that provided by Zweben Law Group, becomes invaluable. A knowledgeable attorney can help gather and present evidence, deal with insurance companies and ensure that your side of the story is heard and considered in determining fault and subsequent insurance implications. In the end, the insurance companies determine whether a rate increase is appropriate.  

Going Through Insurance Claims and Protecting Your Rates

We understand that dealing with insurance companies can be daunting. We’re here to guide you through each step, ensuring your rights are protected. 

The Two-Year Statute of Limitations in Florida

Remember, you typically have two years to file a personal injury claim in Florida. This time limit is crucial, and delaying it could affect your ability to claim compensation. It’s essential to start the process as soon as possible to preserve all your legal rights. We’re here to help you understand these timelines and work within them.

Contact Zweben Law Group for Guidance

If you were injured due to someone else’s negligence, our team is here for you. Get in touch with a Florida injury firm that can help. Contact Zweben Law Group, based in Stuart, Florida, and serving you across all of Florida. Call us at 772-223-5454 or online today to schedule a FREE initial consultation.