If you are not at fault in causing a collision, your insurance company is not allowed to increase your premiums because you make a claim on your own insurance policy.
Many victims of motor vehicle collisions are reluctant to use their own insurance benefits such as medical payment coverage, uninsured motorist coverage, collision coverage, or other benefits of insurance he or she has paid for. This is a mistake.
You should always make a claim for all the benefits to which you're entitled under your own insurance policy.
If you are the driver of your car who was clearly not at fault in cause the collision, your insurance company should not increase your premiums. This is true whether or not you make any claims on your own insurance policy.
If your insurance company has increased your insurance as a result of your having made a claim arising out of a collision which was not your fault, please contact us immediately. Our North Carolina insurance dispute lawyers can help. Call us toll free at 877-BRENT-ADAMS.