You’ve been involved in an accident. You didn’t do anything
wrong, though. The other driver is at fault. You know this because the police
report says so. Then you find out the other driver doesn’t have auto insurance.
What happens to you? If you have underinsured or uninsured car insurance, your
plan could help you to cover the costs and it may also help you to go after the
other driver legally. But, could filing that claim cause your insurance rates
to go up?
Use Your Auto
Insurance When You Need It
When accidents, collisions, and other damage happens to your
vehicle, don’t hide it from your insurer. Most importantly, take advantage of
the plan you have. The car insurance you pay for is there to help you in
instances like this, when you are facing thousands of dollars of losses through
no fault of your own. It’s always a good idea to contact your insurance agent
right away to discuss the risks and the potential costs increases, but you also
need to let them know what happened.
Can auto insurance companies raise your rates in these
situations, though? It may. Agencies believe that, based on statistics, the
more frequently a person files a claim against their policy, the more likely
they are to do so again in the future, making it a bit more of a risk to them.
If you file a claim, your rates may go up. However, if this is the first time
you’ve filed a claim, the responsibility is clearly not your own, and the
damage is significantly, it may not raise your rates much at all. It’s always
important to know that, if your rates do go up and you don’t think it is fair,
you can look for a new auto insurance provider when your policy is about to
Key here is knowing that, if you are in a situation where
you could face losses and you have a car insurance plan that can help you, you
should take advantage of it. Work closely with your provider to pursue anyone
that may be responsible legally and get your car back on the road as soon as
Get the right coverage. Call Insurance
Agent2000 at (925) 827-0510 for more information on Clayton auto insurance.