How Much Will My Insurance Go Up After a Fender Bender?

How much your insurance goes up after a fender bender depends on the extent of damage to your car and other factors. If another driver is responsible for your accident, hold them accountable. To do so, hire a Phoenix car accident lawyer who can pursue damages on your behalf.

With help from car accident lawyers in Phoenix, you could build a body of evidence that proves you are not liable for your fender bender. Plus, your lawyer can ask for damages for your medical bills, pain and suffering, and other losses. They will put you in a great position to secure maximum compensation from the liable motorist. 

How Much Will My Insurance Go Up After a Fender Bender in Arizona?

The severity of your fender bender, prior accidents in which you were at fault, and other factors dictate how much your insurance will go up. There may be only a minimal increase to your insurance rates if you have accident forgiveness coverage. Your insurer can explain how your rates will change following your accident.

Arizona is an “at-fault” insurance state. Here, if you are involved in a fender bender and the other driver is at fault, you can request damages from them. However, your insurance rates can go up if you submit a claim.

A personal injury lawyer in Phoenix can help you determine the best course of action as you deal with the aftermath of your fender bender. They can work with an at-fault party and their insurance provider to help you get compensation for your accident-related losses. If necessary, your attorney can file a personal injury lawsuit. 

For a free legal consultation, call 866-499-8989

Will My Insurance Go Up After a Fender Bender If the Other Driver Is at Fault?

Unfortunately, your insurance can go up following a fender bender in which you are not liable. An insurance company is focused on its bottom line. If the business has any reason to view you as a risky driver, it could increase your insurance rates. 

If you are worried about whether your car insurance rates will go up after your accident, consult with a lawyer. Ultimately, your attorney cannot change the fact that you were involved in a fender bender. On the other hand, they can take legal action, ensuring you are well-equipped to get damages from the liable motorist. 

Following your fender bender, reach out to a lawyer who has experience with car accident cases. Together, you and your attorney can gather evidence and prepare an argument that shows you are not responsible for your accident. Your lawyer can also calculate your losses and request economic and non–economic damages. 

What Can I Do to Keep My Insurance from Going Up After a Fender Bender?

Your insurer will determine if it will increase your rates after your fender bender and, if so, by how much. There are things you can do to protect yourself against insurance rate increases. These include:

• Purchase accident forgiveness coverage. This optional auto insurance can keep your premiums from going up if you are involved in an accident. 
• Raise your deductible. Increasing your deductible can lower your premiums but means you will have to pay more out of pocket to cover your losses if you are at fault for an accident. 
• Consider other insurance companies. Shop around for insurance, and other insurers may offer better rates than what you currently pay.
• Sign up for a defensive driving course. Some insurance companies offer safe-driving discounts to motorists who complete such courses. 
• Bundle your auto insurance with other policies. If you buy all of your insurance policies from one company, you could receive discounts for bundling your coverage. 

Along with these things, partner with a car accident lawyer. After your fender bender, your car insurance company can refuse to pay your claim. With your attorney’s help, you could prove the other motorist involved is liable, and this driver’s insurer could cover your accident-related losses and help you avoid a significant increase in your insurance rates. 

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Will My Insurance Go Up After a Fender Bender If I Sue the Other Driver?

Your insurance can go up after a fender bender if you sue the other driver and they are found to be liable, but this is unlikely to happen. Ideally, you have plenty of evidence to show this motorist is at fault. If so, this driver’s insurer can provide you with compensation for your losses, and this will not affect what you pay for insurance moving forward. 

If you want to sue the driver responsible for your fender bender, do so right away. Per Arizona Revised Statutes (A.R.S.) § 12-542, you have two years to seek damages as part of a personal injury lawsuit. After this window closes, you are solely responsible for your accident-related losses. 

Once you file a lawsuit, your lawyer represents you throughout your litigation. They will keep you updated if the defendant proposes a settlement. If you and the defendant cannot reach an agreement before your trial date, you will bring your case to a judge or jury. 

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Get Help from Car Accident Lawyers Who Know How to Deal with Insurance Companies

You drive safely but are involved in a fender bender. In this scenario, your insurance premiums could increase. By working with a personal injury lawyer, you can craft an argument that shows the other driver should be fully responsible for your accident and all of the losses you incur. 

The car accident lawyers at Zanes Law understand the challenges that come with insurance claims. We have helped our clients receive over $500 million in damages and will do everything we can to represent your best interests in your fender bender case. Contact us to get started. 

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