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The Truth On Raising Insurance Rates – Will My Rates Go Up After a Claim?

In this video, Tampa Car Accident Attorney, Christian Denmon, discusses the truth on raising insurance rates after a claim has been made.

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Raising Insurance Rates

I am here to discuss the truth on raising insurance rates after a claim, such as a motor vehicle claim, has been made.

A really good question that gets asked all the time at the beginning of a lawsuit or an insurance claim after a motor vehicle accident is, Will My Rates Go Up After a Claim?

Click here for the audio version

Florida Law

The good news is that Florida lawmakers have addressed this issue. They’ve done a good job of addressing what insurance companies can legally do, and what they can’t do when it comes to how they do business and how they do advertising.

Importantly for this discussion, they’ve addressed how they can legally go about their business of increasing insurance rates after a claim has been made.

If You Are At Fault

What the lawmakers have decided, and what they’ve put into the code, is that insurance companies, when it comes to raising insurance rates after a motor vehicle accident, can only raise your rates if they make a good faith determination that you, the insured, was substantially at fault in the accident.

Or, I guess more clearly, if you’re not at fault in the accident, they can’t raise your rates.

If You’re Not At Fault

The good news is if you’re watching this video and you’re one of our clients, the reason you’re bringing in a car accident claim is that someone else caused the accident, someone else caused your injuries, and you’re not at fault.

If you’re not at fault, the insurance companies are not legally allowed to raise your rates just because you’re bringing claims.

The Rule On Multiple Accidents

One little caveat that’s important to know is that if you’ve had three motor vehicle accidents within the last three years, regardless of fault, the insurance company, can choose to terminate your coverage after your policy lapses.

They can’t raise your rates, but they could terminate your coverage.

Contact Us For Any Questions

So that is the truth on the myth regarding Raising Insurance Rates after a claim has been made.

If you have any questions regarding your insurance and a claim you have, pick up the phone and give one of our Tampa injury attorneys a call.

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Christine E.
Christine E.
19:36 05 Dec 19
This past Tuesday, I got into a car accident that was frankly, quite scary. The experience left me disoriented, shaken, and overwhelmed with what "next steps" needed to be taken. Thanks to Nicole Pearlman, and the whole Denmon & Pearlman team, I didn't have to worry about those next steps. They quickly took over and set me up with medical appointments, a rental car, car inspection.... leaving me the ability to focus on spending those initial hours processing the accident and later, days spent on healing physically and emotionally. In a world where billions of people reside and yet we still often feel alone, that was never the case during this chaotic week. Never did I once feel alone in this whole process and I am incredibly thankful for their kindness to my nephew and I and their expertise in these matters. Denmon & Pearlman, especially Nicole Pearlman, WILL be there for you during life's most challenging experiences.
Nichole P.
Nichole P.
14:37 18 Apr 19
Ashley Boisvert was so great to work with when it comes to dealing with a not so great situation! I highly recommend Denmon & Pearlman.
John A.
John A.
16:50 20 Mar 19
I had to resolve an issue with real estate created by my divorce lawyer’s mistake. We interviewed 4 other attorneys who were non commital about what they could do, a couple said I should pay off my ex to resolve.Paul Knudsen in the New Port Richey office looked at the case and felt we had a valid case and was confident he could help. He did just that ! Resolved the situation AND got half of my legal fees from my ex. He’s very smart and well respected in the courts. Definitely has our highest recommendation!!
Carly M.
Carly M.
13:47 01 May 18
Nicole Denmon handled my criminal defense case and her tenacity at getting the desired result exceeded far beyond what I ever thought to hope for. Even after I had given up, Nicole persisted in negotiating my case until she was able to get the ideal outcome for me. I have never had an attorney fight for me the way that Nicole did, and weeks later I am still amazed at the perseverance and level of dedication shown by Nicole and her supporting staff. Thank you Nicole!
Josh F.
Josh F.
16:12 09 Jun 17
Great group of attorneys. They are very knowledgable and quick. I got responses to my questions immediately and they actually seem to care about their clients. I would highly recommend them.
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