Injured? We work for your case. 610-792-3304

Injured?  We work for your case.  610-792-3304
www.PAinjurycase.com

Saturday, June 6, 2009

If I file a claim, will my premium go up?

Some people are afraid to file a claim because they fear their premium will go up or their insurance will be canceled. While it does vary a bit from company to company, in general, an insurer will increase your premium by specific percentages only for a chargeable claim. A chargeable claim is one that is your fault. So, if it is not your fault, a reputable carrier should not raise your rates. For example, if the at-fault driver either does not have liability insurance or does not have enough insurance to cover your damages, you are entitled to make an uninsured or underinsured motorist claim with your company. Your company should not raise your rates for making such a claim. It's part of what you've been paying premiums for all these years.
That should also hold true for other "first-party" benefits such as wage loss, property damage and medical when the other driver is at fault.

Ask your insurance company these questions. If you are not satisfied, shop for a different company.

If you would like more information, feel free to contact us.

David E. Schreiber
Mayerson Schreiber McDevitt, P.C.
610-948-4800
www.mayerson.com

Serving Pottstown, Spring City, Phoenixville, Royersford, Limerick, Gilbertsville, Douglassville, Chester County, Berks County, Montgomery County