‘Will Filing An Uninsured Motorist Claim Increase My Car Insurance Rates?’ Nope, It’s Illegal

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WILL FILING AN UNINSURED MOTORIST CLAIM INCREASE
MY CAR INSURANCE RATES?
NOPE, ITS ILLEGAL
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As the percentage of uninsured motorists in
California and all across the U.S. continues to
grow, purchasing an uninsured motorist coverage
has become a necessity. Whether you already have
this type of coverage or are planning to get one,
you are probably wondering, Will filing an
uninsured motorist claim increase my auto
insurance rates?
An estimated over 13 percent of all motorists in
the U.S. are uninsured, while roughly 15 percent
of all car accidents in California involve an
uninsured driver.
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UNINSURED MOTORIST COVERAGE APPLIES
TYPES OF CAR ACCIDENTS IN WHICH
San Diego car accident attorney at the Hiden,
Rott Oertle, LLP, explains that this type of
insurance will cover property damage and personal
injury expenses if you ever get into a car crash
caused by an uninsured driver.
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What is more, this type of coverage also pays for
property damage and physical injuries in
hit-and-run accidents and car crashes where the
identity of the driver is not immediately known
to law enforcement. Also, the uninsured motorist
coverage applies to motor vehicle accidents
involving stolen vehicles.
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FROM INCREASING RATES AFTER UNINSURED MOTORIST
CLAIMS
INSURANCE COMPANIES ARE
The biggest question remains unanswered. Will
your car insurance rates go up when you file a
personal injury claim after an accident involving
an uninsured motorist in California? This is
something insurance companies do in accidents
involving insured drivers but are they allowed to
raise rates when you were hurt in a crash
involving uninsured motorists?
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An experienced car accident attorney in San Diego
says that Californias Proposition 103 prohibits
insurance companies across the state from
increasing their policyholders rates or
nullifying their insurance altogether for making
a claim for a car crash involving an uninsured
motorist.
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MOTORIST COVERAGE IN CALIFORNIA?
WHOS COVERED BY UNINSURED
One of the most common misconceptions about
uninsured motorist coverage in California is that
it applies exclusively to you if you, as the
driver of the vehicle registered in your name,
were involved in a car crash caused by an
uninsured motorist.
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In reality, uninsured motorist coverage pays for
property damage and physical injuries to not only
the driver carrying this type of coverage but
also
All members of your family who live in the same
household with you
Your children even if they do not reside in the
same household
Other people driving your vehicle with your
permission
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In fact, you do not necessarily have to be behind
the wheel of your vehicle in order to be covered
by your uninsured motorist coverage in the event
of a car accident involving an uninsured driver
in San Diego or elsewhere in California. You can
be in any of the following roles to be eligible
for benefits in your coverage
Driver
Cyclist
Passenger
Motorcyclist
Pedestrian
Bystander
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If you need legal advice from the best car
accident lawyers in San Diego, reach out to the
Hiden, Rott Oertle, LLP, and schedule a free
consultation.
Phone No. - 619-630-0205
Website - Click Here