Can your auto insurance company increase your insurance after an at fault accident and the claims have yet to be settled?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 13, 2015

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Insurance Question from Cincinnati, OH

Asked on 02/13/2015

Can your auto insurance company increase your insurance after an at fault accident and the claims have yet to be settled? Our son was driving and crashed with 4 passengers injuring all. He then struck another vehicle totalling it. That driver wasn't injured. Only 2 claims have been settled with 2 pending. Just 2 months after the accident I received notice from my insurance that my premium jumped from $1,286 / bi-yrly to $2,680.86 and I got notice that it's going up another $976 for the year. Today I was told an insurance company cant do this. I'm trying to find out if this is true.I have more questions but not enough space to write.

Answer given on March 07, 2015

If your son has an auto accident that is at fault, the insurance company can increase your insurance rates for that accident. Even though all of the clams have not yet been settled, the insurance companies have a formula for how many “points” they will charge if there is an accident. Usually the rate increase is different there are injuries.Your insurance company may have increased your rates to reflect the accident but have not increased due to the injuries caused. You can call your agent or insurance company and ask them to explain how the increased premium was arrived at. They are required to provide this information if requested. The increased premium cannot be made in the middle of the policy term. It can only be done at the nearest renewal date. If they are increasing the premium in the middle of the policy term, call them about it. If you cannot get a satisfactory answer, you may have to call the Dept of Insurance in your state for assistance.

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