Will bringing a claim affect my insurance rates?

Will bringing a claim affect my insurance rates?

Many clients worry that their auto insurance premiums will increase if they make a No-Fault claim, even if the collision wasn’t their fault.  The answer is: if you are not more than 50% at fault in causing the collision, your insurance company cannot raise your rates for submitting a claim for No-Fault Benefits for yourself, or an injured relative living with you.

It is a fair claims violation under Minn. Stat. §72A.20 Subd. 23(d) for your insurer to use No-Fault claims to raise or increase premiums or rates where there is 50% (or less) fault on the insured.  Subdivision (d) provides that no insurer that offers an automobile insurance policy in this state shall use an applicant’s prior claims for benefits paid under their No-Fault insurance coverage as an underwriting standard or guideline if the applicant was 50% or less at-fault in the injury-producing collision. To increase premiums for a non at-fault collision would be in violation of Minn. Stat. §65B.17 Subd. 2(b), Minn. Rule 2770.7700 Subp. 2 and Minn. Rule 2770.7900 Subp. 5.  Because the claim is not a “chargeable accident” as defined in the Rules, Minn. Rule 2770.7900. Subparts 5 & 7 prohibit the claim from being assigned points for purposes of underwriting decisions.

Disclaimer: For informational purposes only. The content of this site and blog articles should not be taken as legal advice. Call 763-682-1082.

What does it cost to talk with an attorney?

What does it cost to talk with an attorney?

I can assure you that you will never get a bill from Kiernan Personal Injury Attorneys. That means all initial calls and meetings are free, and you have absolutely no risk in contacting us.

We can simply talk and if you decide it is a good fit; retain us. We only work on a contingency fee basis, meaning the only way we get paid, is if we make a recovery for you.

If it turns out we cannot make a recovery for you, you owe us nothing, either for our time, or for the expenses we will advance on behalf of the claim. (Cost of medical records, filing fees etc.) We simply write off our time and expenses and move on to the next claim.

Quite literally, you have nothing to lose.

Disclaimer: For informational purposes only. The content of this site and blog articles should not be taken as legal advice. Call 763-682-1082.