Will My Insurance Go Up if Someone Hits My Car?
Will My Insurance Go Up if Someone Hits My Car?
Some people spend almost as much on car insurance as they do on their car. If you have a shaky driving history, your car insurance could be thousands of dollars a year. The same is true if you have a car loan or are a new driver.
When we get our car insurance, we have to decide what kind of coverage we want. If we want a lower premium, we may opt for a higher deductible. We figure the odds of actually getting into an accident are slim to none. So, what do we do if slim to none happens?
If you get into a car accident, odds are, your car insurance rates are going to go up. But, if the accident wasn’t your fault, there’s no reason your insurance should go up. It really comes down to whether or not the accident was your fault.
You should probably call and retain a Texas auto accident lawyer. He can actually help you prove that the accident wasn’t your fault. This can make the difference between your rates staying the same or going up.
Your Texas Car Auto Lawyer Knows What Happens with Insurance When You Get into an Accident
All drivers must maintain car insurance. This is so that if you do get into an accident, there is coverage for any injuries or property damage. However, you shouldn’t be penalized if the accident wasn’t your fault.
If someone hits you with their car, you will have to put an insurance claim. You’ll file against the other driver’s policy. Chances are, he’ll file a claim against your insurance. The two insurance adjusters will have to battle it out to determine who was at fault.
If it’s decided that you weren’t at fault, the other driver’s policy will have to pay out. They’ll be responsible for paying your deductible. They’ll also be responsible to get your car repaired or replaced.
If you’ve suffered physical injuries, the other driver will have to cover that as well. Your Texas auto accident lawyer will make sure you’re fairly compensated.
Can Your Texas Auto Accident Lawyer Help if the Other Driver Isn’t Insured?
There are times when you have bad luck and there are times when you have no luck at all. If the person who hits you doesn’t have car insurance, you could have a problem. This is why most people carry uninsured motorists’ protection.
If you’re hit by an uninsured driver, your Texas auto accident lawyer will fight to get your claim covered. You will have to submit the claim to your own insurance company. They’ll cover a limited amount of property damage and medical bills.
Your uninsured motorists’ coverage may not pay all of your damages. If your medical bills exceed the limit on your policy, you’ll have to file suit against the other driver. Your Texas auto accident lawyer can help you do this.
If you have to submit a claim against your uninsured motorist policy, you may have to pay the deductible. It depends on your insurance company. However, they really shouldn’t increase your rates. Most companies have a policy that won’t penalize a driver for damages caused by another driver.
Your Texas Auto Accident Lawyer Will Fight for You if the Insurance Company Denies Your Claim
There is the chance that the insurance company will deny your claim. There could be many reasons for this. Some of the most common excuses for denying a claim include:
- The policy wasn’t valid at the time of the accident
- The driver wasn’t listed on the policy
- They believe you were at fault
- They don’t believe you were injured
- They doubt the severity of your injuries
- You have a history of filing false insurance claims
Your Texas auto accident lawyer will appeal the claim on your behalf. He’ll also negotiate with the insurance adjuster to try to settle your claim. If he’s unable to do so, he’ll have no choice but to file suit.
Call and schedule your free initial consultation today. You can sit down with an experienced Texas auto accident lawyer. He can answer any questions you may have. He can also let you know what your case may be worth.
You can be sure the insurance companies have attorneys working for them. You need to have an attorney on your side as well.
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