When you are struck by a negligent driver, the last thing you expect is for your own insurance company to penalize you for the collision. Unfortunately, this is the reality for some drivers, as they may discover their insurance increases, even if they are not at fault. If this reflects your circumstances, you’ll want to keep reading to learn how to proceed following an auto collision, when to contact your insurance, and why working with a San Angelo, Texas car accident lawyer is in your best interest.
What Steps Should I Take After a Collision?
After a car crash for which you are not at fault, understanding the steps you should take to protect yourself is critical. Generally, one of the most important things you should do following a collision is to contact the police. They can compile a report to help ensure that the crash is formally documented and that each party has the necessary information for insurance purposes.
Additionally, you’ll find that one of the most important things you can do is seek medical care. When you are involved in a collision, you’ll find that there may be a considerable amount of adrenaline in your body. As such, you may assume that you are fine, only to discover that your injuries worsen over time. That is why it is critical to establish medical treatment as soon as possible following a collision.
After you have left the scene of the crash, you should contact your insurance company as soon as possible to inform them of the collision. Though Texas is an at-fault state, meaning you are responsible for filing a claim through the negligent party’s insurance, you must still inform your insurer. In general, it is better for your insurance company to learn about the collision from you instead of the other party’s insurance company.
If I’m Not At Fault, Will My Rates Increase?
Though it’s not fair, you may find that your insurance rates can increase following an auto collision for which you are not at fault. This is because filing a claim, even one you are not responsible for, renders you a higher-risk driver. Typically, two claims in a span of three years will have you labeled as a high-risk driver, resulting in an increase in your insurance rates.
However, you’ll find that the increase may not be drastic, but nonetheless, it can be incredibly frustrating to pay additional money, especially when another party is liable for the collision. As such, it is in your best interest to connect with an attorney who can help you fight for the justice you deserve when interacting with the liable party and your insurance company.
At the Mathis Law Firm, PLLC, we know how challenging it can be to fight for the compensation you deserve when someone else’s negligence causes damages. That is why our team will do everything possible to assist you through these challenging times. When you need help, do not hesitate to contact us today to learn how we can fight for you.
