Can My Insurance Increase for an Uninsured Motorist Claim?

If you get into a collision with an uninsured driver, you could be stuck paying the bill.

If you get into a collision with an uninsured driver, you could be stuck paying the bill.

A collision with an uninsured motorist can quickly throw your life and finances into disarray. The insurance of the other driver would typically cover your damages if he was responsible for the accident. If he is uninsured and you have uninsured motorist coverage, your insurance will cover the claim. A collision with an uninsured motorist isn't the determining factor in whether your insurance premium increases. What matters is who was at fault and what your policy says.

Evaluating Your Coverage

To be covered when you get into an accident with an uninsured motorist, you need uninsured motorist coverage. Otherwise your insurer will deny the claim. If you don't have uninsured motorist coverage, however, it's unlikely that your premiums will go up because your insurer won't have to pay for the claim.

Determining Accident Fault

In most states, it's illegal for insurers to increase your premiums if you're not at fault. If you caused the accident, though, it won't matter that the other motorist is uninsured. Your premiums may go up, but this depends on the specifics of your contract. Some insurers offer accident forgiveness for the first accident and won't increase your premiums. Check your policy to learn whether this applies in your situation.

Filing Your Claim

If you don't have uninsured motorist coverage, you should not file a claim. Filing a claim only alerts your insurance company to the accident and can cause the insurer to increase your premiums if you're at fault. If you do have uninsured motorist coverage, document the state of the vehicle and provide a narrative of what happened. If your damages are extensive, you may want to consult an attorney to ensure you get the maximum money possible.

Insurance Limitations

If you hit the financial limitations of your policy, you might not be able to make another claim within the same year. This is not a premium increase but a specific limitation on your coverage. Uninsured motorist coverage frequently offers a lower rate of coverage than other insurance packages, so carefully evaluate your policy to determine if you have sufficient coverage.

About the Author

Van Thompson is an attorney and writer. A former martial arts instructor, he holds bachelor's degrees in music and computer science from Westchester University, and a juris doctor from Georgia State University. He is the recipient of numerous writing awards, including a 2009 CALI Legal Writing Award.

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