A car accident and subsequent injuries can be a harrowing experience for all drivers and passengers involved, regardless of who was at fault. However, after an accident, drivers may have added stress about the potential for an increase to their auto insurance premiums due to the incident. If you have been involved a car or truck accident in the state of Indiana, it’s important to understand the potential ramifications to your car insurance policy, regardless if you were at-fault or not.

Generally speaking, your auto insurance rates will not increase if the other driver was 100% at-fault for your accident. However, the specific circumstances of the incident will play a role in how a claim is handled. For example, since Indiana follows the modified comparative fault rule, if you share a percentage of fault in the accident, you may be subjected to a rate increase. Other factors such as driving history, the severity of the accident, your specific insurance provider, and where you live within the state may all play a role in a potential rate increase.

Another scenario includes accidents involving a driver who is uninsured, underinsured, or had a lapse in their policy. In these cases, claims often fall under the not-at-fault driver’s uninsured or underinsured motorist coverage. While this coverage is designed to provide compensation when the at-fault driver’s insurance is inadequate, the not-at-fault driver may still face increased premiums, even though they pay separately for this protection.

Insurance companies are in the business of making money and if they believe not-at-fault drivers are more likely to be involved in future accidents or have a history of repeated claims, their risk profile increases, resulting in higher rates.

When selecting an auto insurance provider in the Hoosier State, it’s vital to understand what your policy covers and under what conditions your rates may go up. If your premiums rise after an accident that was not your fault, it is important to question your insurance provider and to seek clarification.

If you’ve been in a car accident with injuries in Indiana and have questions, contact Hurst Limontes to speak with a member of our team. With decades of combined experience in personal injury claims, we take on the insurance companies of behalf of our clients and work on a contingency basis, meaning there is no cost unless we reach a settlement or jury verdict award on your behalf.

Call 317-636-0808 or email us by using the contact form below for a free and confidential consultation.