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Can they raise my rates?

April 6, 2006 by Jonathan Stein

One of the most popular questions I get: Can they raise my auto insurance rates for filing a claim?

The answer: Only if you are at fault. The text of the law: The insurer also has the responsibility to determine which driver is at fault. Under the law, if you are found to be 51% or more at fault, and there is a total of $500 ($750 as of 1/1/03) in property damage, or if there are any injuries, you will be assessed a surcharge. This means there will be an increase in your premium for the next 36-month period.

You can find this language at the Department of Insurance website.

Categories: Auto Insurance, Claims, Insurance and Claims FAQ

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