If you have been involved in a Connecticut motor vehicle accident by the fault of another, you will be experiencing a great deal of stress on many different levels. If you have been injured, you will be dealing with pain and suffering, hospital and doctor visits, medical bills, deductibles and co-pays, sleepless nights and many other challenges that affect your physical body.
You may also be experiencing lost time and income from work and the financial pressures that the situation creates. You might also have to deal with your damaged motor vehicle, getting a rental vehicle, trying to figure out whether to go through your insurance company or the insurance company of the person that caused your accident, and to have your vehicle fixed or replaced.
Rising Insurance Premiums
One thing that you may consider is whether or not your insurance premiums will go up after your accident, even if you are not at fault in the accident. The answer, which was pointed out by the Connecticut Insurance Department's Office, is that the insurance company, by statute, cannot surcharge for this type of an accident.
We have represented individuals who have been injured in a motor vehicle accident that was caused by another person. Some of these individuals, do not want to submit a claim through their own motor vehicle insurance carrier because they are afraid that their insurance premiums will go up despite the fact that they have not caused the accident.
Insurance companies use guidelines and underwriting policies in determining the premium that is to be paid by the individual insured. There are a number of factors that may result in an increase of your premium. For example, your company may implement an overall statewide rate increase. In addition the accident may affect any applicable credit you may presently have such as a loss free credit.
A Connecticut Statute on Insurance Premiums
However, if you are deemed to be not at fault, as a general rule the company cannot surcharge for that accident and or violations based on the following Connecticut statute:
Sec. 38a-686. (Formerly Sec. 38-201v). Standards for the making and use of rates re personal risk insurance. Limitations on use of credit history and financial history measurement programs. Regulations. The following standards, methods and criteria shall apply to the making and use of rates pertaining to personal risk insurance:
(3) Risks may be grouped by classifications for the establishment of rates and minimum premiums... provided no surcharge on any motor vehicle liability or physical damage insurance premium shall be assigned for... (E) any accident caused by an operator other than the named insured, a relative residing in the named insured's household, or a person who customarily operates the insured vehicle.
Contact Our Connecticut Car Accident Attorneys Now
It is important to get the advice and counsel of an experienced Connecticut car accident lawyer so you can determine how you would like to proceed with your personal injury case. If you are concerned about your insurance rates going up, despite the fact that you were not at fault in the accident, then you should contact us immediately so we can provide you with a further explanation so you can access this important coverage which you pay for after being involved in a non-fault accident.
Contact our experienced Connecticut personal injury lawyers to get answers to important questions. You can download our free Connecticut accident and injury law books by visiting our Downloads page or you can call our toll-free number at 888-244-5480. Get your questions answered over the telephone or you can schedule a free, no obligation consultation. One of our experienced Connecticut car accident attorneys will be happy to meet with you and specifically discuss the facts of your case.