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
Injured? We work for your case. 610-792-3304
www.PAinjurycase.com
About Me
- David Schreiber
- I have been practicing law since 1994. From 1994-1998, I was a State's Attorney with the "Governor's Law Firm", called the Office of General Counsel. I represented the Commonwealth of Pennsylvania in Civil Actions, including winning cases on appeal before the Commonwealth Court. In 1998, I joined a local firm. I became a shareholder. I am now a Partner at Wolpert Schreiber P.C., focusing on injury law and insurance disputes. I am one of the few lawyers handling injury cases who has worked exclusively both as a lawyer for injured people and in house for a large law group defending those claims when I was with the "Governor's Law Firm". My work also includes Insurance Disputes and Contracts. I have successfully handled hundreds and hundreds of cases, including cases to jury verdict, in State and Federal Court. I am honored to help people who come to us to solve their problems. Our goal is to seek truth and accountability, while working as hard as possible for our clients. I have obtained millions of dollars in recoveries for clients over the years. We work for your case.