Car accidents can be overwhelming, especially when you’re not at fault. Besides dealing with the consequences of the crash itself, you might be wondering how this could impact your insurance rates. California has specific laws regarding fault and car insurance premiums, so it’s important to understand how this situation could affect you.
If you are found not at fault in an accident in California, your auto insurance rates generally should not go up. This is because your insurance company would not have to pay out any claims related to the incident.
Will my insurance go up if someone hits me? In this blog post, we will explore the key aspects of car insurance claims in California, focusing on what happens to your policy rates if you get involved in an accident and it is not your fault. We’ll cover the state’s “fault” system, the claims process for the innocent party, legal protections, and strategies to help protect your policy rates after an accident.
Do you need compassionate support and effective representation?
No fees until we win. Available 24/7.
Understanding Fault in California Car Accidents
California operates under a “fault” system when it comes to collisions. This means that the driver responsible for causing the crash is liable for any resulting damages. This system contrasts with “no-fault” states, where each driver’s insurance covers their own damages regardless of who caused the incident.
Determining fault is crucial because it affects how claims are handled and who pays for the damages. After an accident, the at-fault driver’s insurance company is responsible for covering the costs associated with the damages and injuries of the other party.
If a Car Accident Is Not Your Fault Does Your Insurance Go Up Implications for the Innocent Party
In most states, the at-fault party is responsible for covering damages and injuries. But California operates under a “comparative negligence” system, which means that multiple parties can share responsibility for an accident. In other words, even if you were partially at fault for the accident, you may still be able to seek compensation from the other involved party.
If you are not at fault for a car accident in California, you might still worry about whether your insurance rates go up. Insurance providers are prohibited from raising your rates for accidents where you are not considered principally at fault.
With that being said, if someone else causes the crash, your insurer should not penalize you by increasing your premiums or making your car insurance rate go up after an accident.
It’s essential to understand that insurance companies may have their own policies and procedures. While state law protects you from rate hikes due to non-fault incidents, other factors such as the total number of claims you’ve filed and your overall driving record can influence your premiums.
Will My Insurance Go Up If Someone Hits Me? Legal Protections for Accident Victims
Right to File a Claim
Since California is not a no-fault accident state, injured victims must file car accident claims with the at-fault driver’s insurance provider. This means they must identify the driver who caused the crash and prove the driver’s fault during the claim process.
Principally At-Fault Determination
Insurance adjusters use various criteria to determine fault. If you’re found to be less than 51% responsible, you’re generally not considered principally at fault, thus protecting you from rate increases.
Legal Representation
Hiring an experienced California car injury attorney can help you understand your rights and ensure you receive fair accident compensation. Legal professionals can also assist in negotiations with insurance companies and, if necessary, represent you in court.
In fact, it would be to your advantage if you work with a skilled car accident lawyer. In this way, you have greater chances of maximizing your monetary payout.
Strategies to Protect Your Insurance Rates After an Accident
So if a car accident is not your fault does your insurance go up? While California law provides some protection against rate increases for non-fault accidents, there are additional steps you can take to safeguard your insurance rates, such as:
Document Everything
Collect and retain all relevant information related to the accident, including photos, witness statements, police reports, and any communications with the other party’s insurer. This documentation can help establish fault and support your case.
Report the Incident Immediately
Prompt reporting can expedite the claims process and ensure that your insurance company has all the necessary information to handle your case effectively.
Maintain a Clean Driving Record
Your driving history plays a significant role in determining your insurance rates. By avoiding traffic violations and maintaining a clean driving record, you can help make your car insurance go as low as possible.
Consider Accident Forgiveness
Some insurance providers offer accident forgiveness programs, which prevent your rates from increasing after your first at-fault accident. While this doesn’t typically apply to not-at-fault accidents, enrolling in such a program can provide additional peace of mind and financial protection.
Shop Around for Insurance
If your insurance company raises your premiums despite being in an accident that wasn’t your fault, consider shopping around for a new provider. Different companies have varying policies and rates, and you may find a better deal that aligns with your circumstances.
Not at Fault in a Crash? Work with a Trusted Car Accident Lawyer in California. Maximize Your Insurance Claim Now. Call Us for a Free Consultation.
Understanding how collisions affect your insurance rates in California is crucial, especially in a car accident that wasn’t your fault. Familiarizing yourself with state laws, your insurance company’s policies, and the strategies to protect your premiums can help you manage this challenging situation with more confidence.
Will my insurance go up if someone hits me? Not quite. Seeking guidance from an experienced California accident lawyer can protect you and focus on your recovery.
RTM Law Firm understands how complicated car accident cases can get. Our personal injury lawyers are here to help.
Reach out today for a free consultation. Call us at (949) 287-4342.
We are available anytime for an initial consultation
Free consultation. No fees unless we win.
