Insurance claims my fault and warns they may surcharge my full-coverage policy up to 3 yrs, increase my rates and possibly not renew – legal?

UPDATED: Feb 16, 2012

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UPDATED: Feb 16, 2012Fact Checked

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 16, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Feb 16, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Feb 16, 2012Fact Checked

If you had a single car accident, it is hard to defend that the accident was not your fault, unless there were weather conditions that could have caused the accident. Even then, you could be considered at fault for driving unsafely for conditions.Each insurance company files their rates with the state and most include a surcharge for an at fault accident. The surcharge generally remains on your record for three years, and with some insurance companies, even longer. Non-renewal can be applied if there are multiple tickets and/or accidents in a three year period, but if you have been a long time client you may not face such a threat unless there are numerous incidents.I think the agent is trying to make you aware of what could happen if their are future claims. If the damages in this incident are minor he may want you to consider repairing the car yourself. Consider your deductible and the total damages to see if you can afford to fix your car without submitting a claim.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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