« All FAQ About Drunk Driving Accidents

Will my insurance rates go up if I sue the drunk driver?

As an attorney who has dealt with many drunk driving accident cases, one question I am frequently asked is, “Will my insurance rates go up if I sue the drunk driver?” This is a valid concern, as many people worry that their insurance premiums will increase if they take legal action against the at-fault driver. The answer to this question is not straightforward, as it depends on several factors.

First and foremost, it is important to understand that if you were not at fault for the crash, you should not be penalized by your insurance company for pursuing a claim against the drunk driver. In fact, insurance companies are legally prohibited from raising your rates or canceling your policy solely because you file a claim against another driver. This is known as a “non-renewal law.”

However, there are a few scenarios where your insurance rates could potentially be affected:

  • If you were partially at fault for the accident, your insurance company may raise your rates or refuse to renew your policy when it comes up for renewal.
  • If you make a claim against your own insurance policy, such as using your uninsured motorist coverage, your rates may increase. However, this increase would be due to the claim you filed against your own policy, not the claim you filed against the drunk driver.
  • If you have a history of filing many claims, regardless of fault, your insurance rates may already be higher than average. In this case, filing another claim could further increase your rates.
  • An insurance company may raise rates for all policyholders in a specific area or zip code.

It is important to keep in mind that every insurance policy is different, and there may be specific clauses or provisions that could impact your rates if you file a claim against a drunk driver. That is why it is important to speak with an attorney who specializes in personal injury law to discuss your options and any potential consequences.

If you have been involved in a drunk driving crash, the most important thing is to focus on your recovery and getting the compensation you deserve. Don’t let the fear of insurance rate increases prevent you from pursuing justice. Contact The Ruth Law Team today at (888) 783-8378 to speak with an experienced attorney who can guide you through the legal process and help you make informed decisions.
You can also visit us by appointment at one of our Florida Law Offices, Minnesota Law Offices, or Georgia Law Offices.

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