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.

Raising Rates

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 expire.

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 possible, too.

Get the right coverage. Call Insurance Agent2000 at (925) 827-0510 for more information on Clayton auto insurance.

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