Being hit by an uninsured driver in Ventura, CA, is frustrating, but if you have Uninsured Motorist (UM) coverage, you have a safety net. Many drivers hesitate to file a claim out of fear of raising their insurance premiums.
In Most Cases, No—Your Premium Should Not Increase Under California Insurance Code § 491, insurance companies are generally not allowed to raise your premium just because you used your Uninsured Motorist coverage, as long as the accident wasn’t your fault. UM coverage is designed to protect you, not punish you, when:
- You’re hit by an uninsured driver.
- You’re injured in a hit-and-run.
- The at-fault party is underinsured, and their limits won't cover your losses.
When Could Your Rates Increase?
Your insurance premium might still go up if you were found at fault, or if you have a history of frequent claims, as insurers consider your overall risk profile.
Why You Should Still File a UM Claim
If you've been injured or your vehicle was damaged, and the at-fault driver can't pay, your UM coverage can be vital. It can pay for medical expenses, lost wages, pain and suffering, and vehicle repairs. That's what you paid for, and you have every right to use it. Our attorney, David Richard, can help you file your UM claim efficiently. We assist clients across Ventura County with these matters.
For a free consultation about your claim, contact our Ventura, CA office, Richard | Bartlett Lawyers, today. Call us at (805) 438-2440 or visit our website.