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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida, including from our Central Florida office in Orlando. Our dedicated experienced personal injury attorneys handle a range of legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

The Trial Pro, P.A. attorneys, carry more than a century of collective legal experience and decades of working together as a team. We have represented hundreds if not thousands of people who have been injured due to car accidents, slip-and-fall, worker's compensation cases, and more. One thing that is clear to us is the essence of partnership. Without it, Trial Pro, P.A. could not be as effective in attaining success for our clients.

Will My Insurance Go Up If I File An Uninsured Motorist Claim?

Frequently Asked Questions - Will My Insurance Go Up If I File An Uninsured Motorist Claim?

The whole logic and underlying principle of automobile insurance is to protect you when accidents occur.  Though, in order for that insurance to protect you, you need to use it when the situation arises.  When you are involved in an auto accident to no fault of your own, you automatically and justifiably look towards the at-fault party’s insurance and expect them to rectify your losses.  However, that may not always be an option.  If you were injured in a motor vehicle crash by an insured driver or you were injured in a hit and run accident, then you are forced into a situation where you need to file an uninsured claim with your own insurance company in order to mitigate your losses and attempt to make yourself whole.  A simple decision, right?  After all, that is why you pay your insurance premiums – to use your insurance coverage when you need it.  However, many find themselves very reluctant to file uninsured motorist claims or even underinsured motorist claims as they are worried their insurance rates will go up, or even that their insurance company may drop them altogether.  Although these concerns are not necessarily unfounded, they are for the most part highly mistaken.  Insurance companies can increase your rates for a multitude of reasons: being at-fault for an accident, filing a comprehensive claim, traffic violations, a lapse in insurance, a drop in your credit score, moving, and aging.  However, insurance companies are prohibited from penalizing their insured for filing a claim for an accident to which they were found to be not-at-fault.  More specifically, your insurance company cannot legally increase your premium or cancel your policy because you filed an uninsured or underinsured motorist claim.  There are statutes that address this exclusively and explicitly.  An accident attorney can direct you to the relevant statute(s) in your specific state. 

On the other hand, if you are receiving any insurance rate benefits or discounts from your insurance company for not having an accident for a set period of time, filing an accident claim may result in your insurance company withdrawing said benefits or discounts.  However, the sole fact of being involved in a crash in any capacity or filing any type of claim would essentially have the same consequence.  This policy change is completely separate and independent from filing a UM/UIM claim.  For example, you may lose an “accident-free” discount regardless if you decide to file a UM/UIM claim or not.  As, once again, for the simple fact that an accident was reported, your insurance company may remove that specific benefit.     

Many people are also concerned with their insurance company refusing to renew their insurance policy once their policy period ends.  The statute in each state varies on this particular language and you would need to verify this with an attorney in your area.  In most cases, there is a particular number of “not-at-fault” accident claims limit that is allowed within a given period of time wherein the insurance company cannot cancel or refuse to renew an insurance policy.  If that particular limit is exceeded, then the insurance company can legally cancel your policy or refuse to allow you to renew it once your policy expires.  Unless you have filed multiple claims within a very short period of time, then you have nothing to be wary of.  Insurance companies largely calculate their rates based on the risk factors.  Amongst other factors, insurance companies will gauge how risky it would be to insure you based on the number of previous accidents you have been involved in.  Even so, insurance companies will often take into consideration the specific facts of the loss or losses, i.e. if you were at fault, the amount of property damage sustained, and how much was paid in medicals and settlements.  The more claims you file, the more costly you are to an insurer.  Then, naturally, you would be considered a higher risk by the insurance company to insure.  This would increase the likelihood that your insurance rates will go up, or your policy won’t be renewed, but, again, It all depends on the respective statute in your state that dictates when your insurance is allowed to take such action.   

Taking into consideration all of the aforementioned, it is probably more important to ask yourself if you can afford not to file an uninsured motorist claim.  Making a UM/UIM claim may be the only way for you to ensure that you can afford all of your necessary medical treatment and not go bankrupt in the process.  If you were severely injured in a motor vehicle crash that was caused by the negligence of someone else and that individual is uninsured or perhaps does not have enough liability insurance to cover all of your medical bills, pain and suffering and other damages, then you would need to file a UM/UIM claim in order to recover your losses.  Perhaps you have been out of work due to the severe accident-related injuries you sustained or must take a substantial amount of time off work in order to treat with your doctor or doctors.  So, you are not making any money or at least not the same amount of money as you were prior to the accident.  You have significant medical bills that are piling up and not to mention your regular bills and responsibilities.  It can be an overwhelmingly stressful situation.  This is precisely why you wisely purchased uninsured/underinsured motorist coverage when you signed up for your auto insurance policy – to protect you and your family from such hardship.  In such a scenario, the benefits of filing a UM claim greatly outweigh the repercussions of a potential rate increase.  Your UM/UIM case’s settlement may be worth much more in the long run.  Although bear in mind, a UM claims adjuster may not have the same opinion as you as to the value of your UM/UIM claim.  Thus, it is imperative to seek the advice of an experienced personal injury attorney to protect your interests and ensure you get every penny of UM compensation that you deserve. 

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Our goal is to make the process as easy as possible for you. You don't even have to come into our office if you cannot travel or adjust your schedule to make it to us. We're more than happy to come to you!

In addition to traveling directly to our clients, the team at Trial Pro, P.A. also pledges to provide clear advice and regular client communication. We know how vital regular contact with our clients is - we never leave you hanging or delay our responses. 

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After experiencing an automobile accident, the last thing you desire is to have an attorney at hand that doesn’t know how to represent you adequately. You want a reputable law firm that will.
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We put our knowledge and legal abilities into action to assist you to attain a positive outcome and ease the legal stress from your shoulders simultaneously. Trial Pro, P.A., holds a reputation for achieving real success for clients. Please leave it to us to fight wisely but aggressively. 
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Experiencing a car accident can be frustrating and scary, but our promises to you are fully authentic. Trial Pro, P.A.'s injury legal attorneys, do not under-deliver. Instead, we do everything in our capabilities to go above and beyond your expectations. 
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It would help if you didn't have to beg for a call back from your attorney. It would be best if you didn't have to beg for an update on your case. At Trial Pro, P.A., we don't operate in that manner. We constantly call our clients to give them updates on their claims. If we miss a call, we promise always to return it.
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Based in Florida, Trial Pro, P.A. represents clients across Florida from our offices in Miami, Orlando, Ft. Myers, Naples, Delray Beach, Jacksonville, and Daytona Beach. We are dedicated to fully serving you to every degree. We vow to make the entire process of working with us as easy and as stress-free as possible. Therefore, we are more than happy to meet with you at your home, place of employment, hospital room, or other business that you find more convenient. You are always welcome to come into our office as well.

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Trial Pro P.A. is proud to advocate for accident victims all over the state of Florida. Our dedicated, experienced personal injury attorneys handle various legal matters, from employment disputes to auto accidents claims. We can use our knowledge and legal skills to help you not only achieve a favorable outcome but relieve the legal burden on your shoulders as well. Our entire team understands how challenging and confusing litigation can be, which is why we are here for you through every step of the process.

Trial Pro P.A. Orlando Office

  (407) 300-0000

 250 N Orange Ave 14th Floor
Orlando, FL 32801

Trial Pro P.A. Tampa Office

  (813) 522-5444

 1000 N. Ashley Drive, Suite 512
Tampa, FL, 33602

Trial Pro P.A. Naples Office

  (239) 300-0000

 870 111th Ave N #1
Naples, FL 34108

Trial Pro P.A. Fort Myers Office

  (239) 400-5000

 9341 Marketplace Rd
Fort Myers, FL 33912

Trial Pro P.A. Melbourne Office

  (321) 586-2088

 2551 W. Eau Gallie Blvd., Suite 102
Melbourne, FL, 32935

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250 N Orange Ave, 14th Floor
Orlando, FL 32801
(407) 300-0000

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The information on this website is for general information purposes only. The Information presented at this site should not be construed as formal legal advice nor the formation of an attorney-client relationship. For medical advice and treatment, you should contact a licensed medical professional.