Will a Car Wreck Raise Your Insurance Premium?

We are asked this question quiet often! At Dyal Jenkins, we see people all the time who are afraid that if they file a claim on their car insurance that their rates will go up.

We have previously addressed this question on our social media platforms, but we thought it would be a good idea for our car accident lawyer and specialist to explain a little more about your car insurance and how it affects you if you have been in a car wreck!

First of all, it is against the law to not have car insurance if you own and operate a motor vehicle. In Georgia, the law requires that all drivers must have at least the following required minimum auto insurance coverages for your vehicle: Bodily Injury Liability: $25,000 per person and $50,000 per accident. Property Damage Liability: $25,000 per accident. That is just the minimum required by law.

So, will a car wreck raise your car insurance premium? The answer is: if you did not cause the wreck, your insurance premium will not go up simply because of this particular wreck and claim. In fact, there is a Georgia law in place that says so!

Georgia law prohibits insurers from raising your rates simply because you used your insurance for any underinsured coverages or to fix your car after a car wreck in which you were not at-fault. A lot of people are scared to use their insurance for a car wreck they did not cause; but fear not! If you are ever the victim of a negligent driver and find yourself in a car wreck that you did not cause, then remember this tip from the car accident lawyers at Dyal Jenkins!

If you’re involved in an auto accident and aren’t the at-fault driver, does your auto insurance matter? Absolutely. It may be required by law for every driver on the road to have valid insurance, but that doesn’t mean every driver will abide by the letter of the law and maintain coverage. An experienced car accident lawyer will have seen a case involving an uninsured driver.

If you’re the victim of an accident involving an uninsured motorist, or a driver whose coverage fails to cover all your losses and claims, it will be your insurance policy you’ll be relying on to cover the remaining expenses. When making sure that your insurance coverage is adequate, always verify that an “underinsured/uninsured motorist” provision is included to assist you in making certain your car accident lawyer can recoup all your losses for you.  Uninsured motorist coverage is there to protect YOU.  Conversely, the liability coverage you have only pays for damage you cause to others.

In the case of an accident involving an at-fault uninsured driver, you’ll end up working with your insurance company to receive a settlement for your personal injuries and property damages.

Auto accidents and the personal injuries incurred are daunting and overwhelming to endure. To successfully navigate the situation, you may want to reach out to a car accident lawyer to aid you in this process. If you prefer to speak with a local lawyer, we are local to both Metro Atlanta and Northeast Georgia. We can come to you in person or digitally, or you can come to one of our offices.  We hope you don’t need us!  Just know if you do, we are here to help you through the whole process…



All it takes is making the right call. Dyal Jenkins.

Vacation Bliss Shouldn't Lead to Legal Stress: Protecting Yourself from Injuries on Holiday

Why Summer Brings a Surge in Personal Injury Claims

The Dyal Jenkins Difference: Your Trusted Ally in Personal Injury Claims

Why Law Firm Dyal Jenkins Stands Out in Elberton, GA

What makes us different to other law firms/lawyers in Atlanta?

What Determines the Settlement Amount in a Personal Injury Case?

Why Choose a Local Personal Injury Law Firm Over a Corporate Giant

A Guide to Taking Action After Private Daycare Negligence

What to Do After a Slip-and-Fall Accident

Nursing Home Negligence Cases and Your Right to Justice

Navigating Private Daycare Negligence Claims in Atlanta

Navigating the Holidays Safely: A Guide to Responsible Driving

A Personal Injury Law Firm With a New Year's Resolution

A Personal Injury Law Firm with Heart: Giving Back to the Community

Personal Injury Lawyers: Restoring Lives, One Case at a Time

Recovering Damages for Emotional Distress in Atlanta Personal Injury Cases

The Impact of Social Media on Your Atlanta Personal Injury Case

Hiring a Personal Injury Lawyer in Atlanta, GA

How to Protect Your Personal Injury Case

Private Daycare Negligence: Protecting Your Child's Rights

Seeking Legal Assistance For a Bicycle Accident

Understanding Georgia's Statute of Limitations in Personal Injury Cases

5 Essential Steps to Take After Suffering a Personal Injury in Atlanta

Pursuing a Career as a Personal Injury Lawyer in Atlanta

The Essential Guide to Hiring a Lawyer in Elberton, GA

Most Common Personal Injury Cases in Atlanta, GA

How Long Does It Take for A Personal Injury Case to Settle in Georgia?

Dyal Jenkins Legal Team Focus

Unusual Personal Injury Cases

Personal Injury Laws in Georgia

How Can a Lawyer in Elberton Help You?

How Can a Lawyer in Atlanta Help You?

How to Hire a Personal Injury Lawyer in Atlanta

Top 5 Reasons to Hire a Lawyer

Staying Safe Whilst Driving During the Holiday Season

What Does it Mean to be a Personal Injury Attorney in Georgia?

Not Your Typical Personal Injury Lawyers – We Are Here for You!

Will a Car Wreck Raise My Insurance Premium?

Personal Injury Tips - How To Be A Good Client

Personal Injury Lawyer - 5 Things To Look For

Accident Lawyer Tips - How to Recover from a Car Wreck

Hiring a Personal Injury Attorney vs. Going Alone

What Qualifies as a Personal Injury Case?

What Qualifies as a Car Accident?

Benefits of Having a Dash Cam

What Does an Attorney Do for a Real Estate Closing?

What Does It Mean to Have Five Star Google Reviews?

Legal Defenses in Criminal Law

Who are Dyal Jenkins and How Can We Help You?

Meet the Team at Dyal Jenkins

How Can I Protect My Car Accident Case?

What Happens If My Personal Injury Case Goes to Trial?

Protect Yourself from Risk While Driving & Working

Understanding the Attorney-Client Relationship

Six Questions to Ask Your Potential Personal Injury Attorney

Are Car Wrecks Covered By Worker’s Compensation?

When to hire a Car Accident Lawyer

Making the Right Choice: Picking your Personal Injury Lawyer

What do I do after a car wreck?

How much is my personal injury case worth?

How much will it cost me to hire a lawyer in a personal injury case?

Marketing Matters - BUSINESS RADIOX

The Right Questions to ask Regarding Personal Injury

Your Insurance and how it Affects an Auto Accident Case

Atlanta Area:
2302 Parklake Drive NE, Ste 579
Atlanta GA, 30345

Telephone :
(404) 919-7297
Northeast GA:
115 Heard St
Elberton, GA 30635

Telephone :
(706) 283-8240
Copyright © 2024 Dyal Jenkins - All Rights Reserved.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram