Unfortunately, getting into a car accident is nearly guaranteed to affect your car insurance premiums. Showing that you were not the one to blame for the accident could help mitigate that increase in your rates. If you were harmed in a car crash and you believe that the other driver was to blame, a Pike County, KY car accident lawyer can help you pursue compensation.
Will My Car Insurance Premiums Rise After an Accident?
In most cases, an accident will cause car insurance premiums to rise. This is because insurance companies are in the business of calculating risk. When a driver gets into an accident, they become more of a risk because insurers now think they are likely to get into more accidents.
How much your premiums will actually rise can vary based on a number of factors, but increases of around 40% are not uncommon. This is why it may be helpful to do everything that you can to show that an accident was not your fault.
Is There Anything I Can Do to Lower My Car Insurance Premiums?
Once your car insurance premiums have increased, you may be able to lower them. You can:
Ask about discounts: Some insurers offer discounts for people working in certain fields or students. You may also be able to bundle your car insurance with another policy, like renter’s insurance, to unlock a multi-policy discount. Another option could be taking a class, like defensive driving, that can lower your premiums.
Shop around: Check out other insurance companies to see if they can offer you a better deal.
Check your coverage: You might be able to drop an optional type of coverage, like comprehensive, and save some money. You may also be able to pick a higher deductible on some plans. That can reduce car insurance premiums.
What Should I Do After an Accident?
After an accident, you need to get any involved vehicles off of the road and pulled over to a safe space. Then you should:
- Call the police
- Take pictures of the accident scene and any damage to vehicles
- Exchange info with other drivers
- Avoid saying anything that could be seen as taking the blame
- Get medical care as soon as possible
Then it may be time to consider filing a personal injury suit and suing for damages.
How Can an Attorney Help Me?
You are not required to hire an attorney when pursuing a personal injury case, but an experienced lawyer can do a lot to help with your case. They can help you:
- Gather evidence
- Prepare for testimony
- Defend yourself from accusations of fault or wrongdoing
- Fight for fair compensation
- Avoid incriminating yourself
Schedule Your Consultation
So if you are thinking about pursuing compensation, don’t delay. Contact Shane Hall Attorney at Law, PLLC today and ask to schedule a consultation. We would love to learn more about your case so that we can help you figure out the best path forward.
