Auto insurance myth #2: My rates will increase if I use my uninsured motorist policy

Many clients have asked me over the years a common question: Will my rates increase if I file a claim under my uninsured motorist policy?

Your Rates Will Not Increase Just Because You Use Your Uninsured Motorist Policy.

The answer is very clear. California law expressly prohibits a rate increase to your auto insurance premium if you are not at fault for the accident.

You use uninsured motorist coverage when the person who caused the collision was driving without insurance, or did not have sufficient insurance to cover the situation (under insured).

You pay extra each month for uninsured motorist protection. Its a benefit, like health insurance, that you can use when you need it. And you cannot be penalized by your insurance company just because you use uninsured motorist benefits.

Do I Need a Lawyer in an Uninsured Motorist Case?

In most cases, definitely yes. If you were injured, you should consult with a personal injury attorney immediately.

When your uninsured motorist policy kicks in, your auto insurance company essentially becomes the defendant. That means, they fight against you, just like they would if they caused the accident. Your insurance company will hire attorneys, and experts, and will use every trick in the book to try and pay you as little as possible.

If they have attorneys working against you, you should have lawyers on your side, to make sure there is a level playing field. These matters can be extremely complex and require an attorney who has extensive experience in handling uninsured motorist and underinsured motorist cases.

If you were injured in a motor vehicle accident, and you think the other driver did not have insurance, please, do not hesitate to call for a free consultation.

Contact Thomas S. Geraghty, Personal Injury Attorneys, and receive FREE consultation today at (916) 415-8911.