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Will My Premiums Increase after a Car Accident That I Did Not Cause?

On Behalf of | Feb 23, 2017 | Firm News

Most drivers know that if they cause an accident, their insurance premiums will increase. What you may not know, though, is that your premiums could also increase if you were not at fault for the crash.

The New York Times recently investigated a study conducted by the Consumer Federation of America, which revealed that Geico, Progressive, Allstate and Farmer’s Insurance occasionally increase their policyholders’ premiums after accidents caused by other drivers. State Farm was the only insurer tested that did not increase rates after not-at-fault collisions.

This is just one strategy that insurance companies use to amplify their profits at the expense of their policyholders. In addition to increasing your premiums, your insurer may also use tactics to undervalue or deny your claim. Common examples include:

  • Recording your phone calls and statements to gather testimony to use against you;
  • Offering a low settlement quickly – before you know the full extent of your injuries; or
  • Reviewing your social media profiles for sensitive information that can be used to deny or undervalue your claim.

If you were injured in a car accident and you believe the insurance company is treating you unfairly, turn to Antin, Ehrlich and Epstein, LLP. We understand the tactics that insurance companies use to deny and undervalue claims, and we will put that knowledge to work for you.

Our personal-injury attorneys will help you fight for the highest possible compensation for medical bills, lost income and other damages. Call 917-730-7151 today to schedule a consultation with an accident lawyer in New York City.

Why Would My Premiums Increase If I Did Not Cause the Accident?

The answer to this question depends on whom you ask. Some insurance companies argue that by increasing premiums after most accidents, they are able to provide more competitive rates to safe drivers. Insurers also claim that it is rare for a wreck to be entirely one driver’s fault.

Should I Hire an Accident Lawyer to Handle My Insurance Claim?

Although you do not need an attorney to file a claim, an experienced lawyer can help you avoid mistakes that could reduce the amount of compensation you ultimately recover. For example, many insurance adjusters try to coerce claimants into admitting fault or making other misguided statements. If your statements are recorded, they can be used to challenge your claim. Your attorney can help you avoid this issue by handling correspondence with the insurance adjuster on your behalf.

If the insurance company wrongfully denies your claim or offers an unfair settlement, your lawyer can gather evidence to prove negligence, liability and the value of your damages. Your lawyer can also help you avoid mistakes such as posting sensitive information about your case to Facebook or missing your doctor’s appointments.

If you would like to discuss your claim with a personal-injury attorney in New York City, contact Antin, Ehrlich and Epstein, LLP. Call 917-730-7151 to schedule a consultation.