What responsibility does the auto insurance company have when filing a claim after switching auto insurance companies?

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What responsibility does the auto insurance company have when filing a claim after switching auto insurance companies?

My 18-year-old son had was responsible for a 5-car accident when he ran into the back of the car in front of him while looking at his GPS. The car he hit subsequently hit the car in front of them and so on. Our insurance company lawyers handled the incident without problem. We were able to walk away after many anxious months with only an increase in our insurance rates. I say,

Asked on January 29, 2017 under Accident Law, Missouri

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

No, you don't have a case. If an insurer becomes aware of an accident, it can increase premiums based on that, regardless of whether they pay, or how much. You made them aware of the accident by calling them and telling them about it. They could then increase your premiums based on the information you provided. Therefore, they legally raised the premium without incruring any obligation to you.


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