Does a Car Accident Increase Insurance Rates in Alabama?

Most people know that they need to contact their insurance companies as soon as possible after a car accident. One of the main reasons that people fail to report accidents to their insurance companies is because victims of car accidents are often concerned about their insurance rates increasing after the incident. If you were not at fault, then it’s unfair for your insurance company to charge you a higher rate. They can only increase your rates when you were involved in a “chargeable accident,” which means that you were found to be at fault.

Even when you were the one responsible for the collision, many auto insurance companies offer benefits like accident forgiveness. Accident forgiveness means that the insurance company won’t increase your rates the first time you are in an accident and are at fault. Many insurance companies don’t offer this benefit, but you can switch providers if you find this plan enticing.

When you are involved in a collision and you’re not at fault, insurance companies may still attempt to scrutinize your driving record. They may try to increase your rates based on long-resolved speeding tickets or traffic violations, but they can’t raise your rates for pursuing a personal injury claim.

Never neglect pursing a legitimate personal injury claim in fear that your auto insurance rates will increase. Pursuing a personal injury claim will never raise your rates, and you’ll only lose out on compensation that you are rightfully entitled to claim. The personal injury attorneys at the Law Office of Salter and Ferguson are experienced in helping victims of motor vehicle accidents pursue financial compensation for the damages they’ve incurred. We can help ensure that your rights are protected and that your insurance company doesn’t unfairly raise your rates. To learn more about how our firm can help you, contact us at 205-408-4357.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney/client relationship. If you are seeking legal advice, please contact our law firm directly.

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    Karen Salter is a registered nurse, and a former hospital manager. Her daughter, Carmen Ferguson, is a former insurance adjuster. Together, we have more than 30 years of legal experience to put to work on your case.

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