Will My Insurance Go Up if the Accident Wasn’t My Fault?
The team at Sgro & Roger understands how confusing and unpleasant it can be to deal with an insurance company after a collision.
The reason that insurance rates typically rise after an accident is that the insurance company re-evaluates the amount of risk you carry for them to insure you. Insurance companies generally set their rates dependent upon their perceived risk. Every company has their own risk models that use data to determine what trends, traits and incidents are indicative of a higher potential to file a claim.
Even though the police report may indicate that a collision was not your fault - the insurance company might not agree. Insurance companies often conduct their own independent investigations and can form their own conclusions regarding liability.
If you’ve been in multiple collisions, the chances of your insurance rate increasing are much higher; a lone collision, especially one that isn’t your fault, can lower those chances of a rate hike.
Dealing with your own insurance, adverse insurance, and medical providers related to your accident can be tedious and can be extremely complicated. If you have been in an accident, contact Sgro & Roger to have access to our dedicated team of attorneys with the experience & knowledge necessary to assist you. *702.384.9800*