Will My Personal Injury Claim Affect My Insurance?

  • By:David Bate

Personal Injury Cases and Insurance

You’ve got a lot on your plate every day. Life can bring a great deal of stress, including financial worries and matters with your health. If you suffer an injury because of an accident or other incident, you’ll have to contend with physical, emotional and financial challenges. Fortunately, you don’t have to combat these issues on your own. If someone else’s negligence or disregard hurt you, it’s possible to recoup any payments you made for treatment. However, you may worry about what this will do to your insurance. It’s important to understand what takes place when you make a claim.

Your Attorney’s Role

Everyone suffers injuries to some degree in life. Many of these are minor and won’t have much of an effect on your daily routine or quality of life. In more significant cases where your injuries inhibit your ability to work or enjoy life, though, you have a bigger set of problems. If another person or party causes the injury on purpose or because of blatant disregard for your well-being, you should hire an attorney to advise you in moving forward. You don’t want to risk filing a claim and having the insurance company deny it. Your attorney understands how insurance companies work and can negotiate with them to make sure you’re covered. Your lawyer will be your advocate and will make sure your rights are honored and upheld. An experienced injury lawyer will hold offenders accountable and will not let you get stuck with large medical bills you can’t afford.

The Insurance Company

Following an injury or accident, you should speak to your insurance agent. This may be your medical insurance provider or auto insurance company, depending on the incident. Make sure you provide as many details of the incident as possible. It’s helpful to take pictures, interview witnesses, and speak to an attorney before you make this call. All insurance plans have limitations on what you can claim; however, when you were not at fault for the injury, you can go to the other party’s insurance agent and file a claim there as well.

How This Affects Your Policy

You shouldn’t have to worry about your premiums going up if you were not the one who caused the accident or injuries. Your attorney will protect your interests in this area, so if you are concerned about your payments increasing, address these thoughts with your lawyer and insurance agent. No one wants to be involved in a serious accident. However, it’s nice to know a competent personal injury lawyer, like a personal injury lawyer in St. Paul, MN, can be by your side during the claims process.

Thanks to Johnston & Martineau, PLLP for their insight into whether your personal injury claim will affect your insurance.

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