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Will a Car Accident Increase My Rates if it Wasn’t My Fault?

Regardless of fault, any person involved in an auto accident should immediately contact their own insurance provider to report the incident. Drivers often get worried about this, as many individuals are under the impression that contacting the insurance company about anything regarding a car crash will increase their monthly rates.

If you ever find yourself in a similar situation, it’s important to keep in mind that filing a claim doesn’t automatically cause a rate increase. In fact, there are several factors that insurance companies will look at to determine future rates after an accident.

Determining Fault in Car Accidents

The first factor that will determine if your rates go up is whether you held any fault in the accident. Mississippi follows shared fault insurance laws, meaning that multiple drivers may be found to be a certain percentage at fault in an accident.

Every car accident is different. In some cases, determining fault is fairly simple and both parties (the insurance provider and the injured individual) agree which party acted negligently. In others, there may be some dispute as to which driver or drivers share what amount of fault.

The at-fault driver’s insurance company may try to say you are at fault for a larger percentage of the accident. This means your financial recovery could be much lower than what you actually need to pay for medical bills and lost wages.

It will be the job of your personal injury attorney to look at the evidence surrounding your case to show that the other party, not you, is at fault. Some key pieces of evidence that your attorney will collect and present to the insurance company may include:

  • Police reports

  • Witness statements

  • Photos of the accident

  • Dashcam footage

  • Medical records

  • Expert testimonies

How Fault Impacts Insurance Rates

The insurance companies usually consider three main factors when determining premiums: driving record, miles driven annually, and driving experience.

Typically, if you were found to be not responsible for an auto accident, you will not see your insurance rates increase and your driving record won’t change. If you were partially responsible for the accident, however, the insurance company may see you as a bigger risk to insure and increase your premiums.

This is why it is so important to obtain the guidance of a seasoned car accident attorney who will fight to show that you were not negligent and should not be held liable for damages.

Get Experienced Legal Representation Today

If you or a loved one is injured in a car accident, turn to the legal advocates at Richard Schwartz & Associates to stand in your corner. Determining fault in an accident can be tricky, especially when the insurance company may be trying to say you were a percentage at fault for the accident.

You shouldn’t have to pay anything out of pocket when you’re injured due to another reckless or negligent driver. Our personal injury attorneys will review each detail of your case to prove fault and fight hard for your full financial recovery.


Contact our firm at (601) 869-0696 to schedule your free and confidential consultation.
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