Q: can my insurance company raise my insurance one year after the accident which wasn't my fault.
another motorist hit my vehicle Jan 01-2021 during the big snow. She was in someone else vehicle she had no insurance information. I filed a report as soon as i returned home. My insurance company fixed both of our vehicle even though the claim was under investigation concerning who was at fault. I was injured and did seek medical treatment a week later. They refuse to open the UIM because the claim was being investigated. i never heard anything else from them concerning the matter until Monday when i called in to pay my renewal the amount had doubled i asked why is it so high? i was told anytime you flie a claim your insurance goes up. i stated that the accident wasn't my fault and she said that anytime i file a claim and pay the $500.00 deductable the insurance goes up. I stated that i thought that was over with. They waited 14 months and 14 days to raise my rate. I feel as if i am being punished for someone hitting me. When i reported the accident i told them there was a witness.
A: An Arkansas attorney could advise best, but your question remains open for two weeks. In general nationwide, raising premiums as a result of accidents is a matter of the carrier's standard operating procedures, the features of the policy used for paying claims, and their discretion. Factors such as different coverages (accident forgiveness, etc.) could play a role. But the short answer is "yes," carriers could raise premiums, subject to state insurance and consumer protection laws. Good luck
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