Being in a car accident can be a traumatic experience. Not only could you suffer physical injuries, but you may also suffer mental anguish afterward. Not to mention the damage to your car. To add insult to injury, car insurance companies will try to lower the amount of compensation for your damages. In this case, you may want to take things up with a lawyer to get what you think you deserve, but you worry about whether this will affect your car insurance premium. Let’s talk about why and when this shouldn’t be a problem.
Why filing a personal injury complaint shouldn’t affect your car insurance premiums
Insurance companies calculate their insurance premiums based on your risk profile. If the accident wasn’t your fault, your risk profile is not affected by any personal injuries claims against your policy, so there shouldn’t be any changes to your insurance premiums. If you can prove that the accident was not your fault, then there’s no reason to believe that you will be a high-risk customer in the future and there will be no reason for your risk profile to be changed.
When would your car insurance be affected
If you were responsible for the accident, especially if you have a history of accidents, your car insurance will be affected negatively. It doesn’t matter whether complaints are filed against damages to the car or to the driver or passengers personal injuries, your insurance premium will be affected in the same way. They basically will see you as a higher risk client and will, therefore, charge you more to insure your car.
If your car insurance didn’t pay for all your medical expenses after a car accident, you can file a personal injury complaint. If you have been injured in a car accident due to the negligence of another driver, you deserve to be compensated and should contact the New York City Car Accident Attorneys at Linden Law at 212-804-8440 for a free and confidential consultation.
- On average, 10 taxi accidents are reported each day.
- In 70% of those accidents, someone ends up getting hurt.
- Taxi companies arrange for a maximum of $100 000 per person for injuries due to a taxi accident and a maximum of $300 000 for all passengers combined.
- Taxi drivers’ income is directly related to their crash incidents. The higher their income, the less likely the driver is to make a taxi accident. The reverse is also true.
- Taxi passengers are more likely to be injured in a taxi crash than passengers in a normal car crash. This is partly because only 38% of taxi passengers wear seat belts compared to 90% seat-belt wearing passengers in private cars.
- Taxi drivers who own their own cars are less likely to be involved in a taxi accident than taxi drivers who lease their cars.
- One in every five car accidents in New York City was a taxi accident.
- Taxis are only involved in 16% of pedestrian crashes that lead to death or serious injury.
- The New York City Taxicab Fact Book doesn’t contain any stats on taxi accidents. Hmm…
- In 2014, the Upper East Side was the number one spot for taxi accidents with a whopping 2056 accidents occurring between March 2014 and April 2015.