If you’ve been in a car crash, and you’re wondering how to handle the insurance, you’re not alone. Indiana injury lawyers get these kinds of questions all the time. Should you use your own insurance? Or is the other driver’s insurance responsible for your bills? Are your rates going to increase? Here are some things to consider.
First, the question of rates. If you file with your own insurance company, it’s possible that your rates may increase. Insurance companies don’t share their formulas for rate increases, so you can’t really know for sure.
Being involved in a collision may have already raised your rates, whether you’ve used your insurance or not. Insurance companies assess risk based on your driving history. Your rates can go up just because a crash happened—even if it wasn’t your fault.
Click here to read more about handling auto insurance after a crash.