A few weeks ago my Mother was a passenger in a vehicle that was rear-ended by another driver in the state of Florida, which is a no fault state. The driver did not have car insurance. My Mother was taken to the emergency room and is currently seeing a chiropractor. I just discovered that my Mother is on my car insurance policy and a claim was filed. Her coverage is only $10,000 of PIP, and chances are the visit to the emergency room ate up all of that. Will my insurance rates go up because of this claim?
My Mother was a passenger in a car that was hit from behind. My car insurance policy is being billed. Will my monthly rates go up?
byu/hereswhatworks inInsurance
Posted by hereswhatworks
2 Comments
**Insurance rates typically experience an increase for a period of three to five years following a no-fault accident**. A no-fault accident generally remains on a driver’s insurance record for the same period. You can file a lawsuit against the driver to cover your mother’s medical needs and also repair of your vehicle.
>I just discovered that my Mother is on my car insurance policy
How did you not know that before the accident? smh.
>Will my insurance rates go up because of this claim?
The only direction rates are going these days is up, claim or no claim.
>Her coverage is only $10,000 of PIP, and chances are the visit to the emergency room ate up all of that.
In Florida a person can make a personal injury claim against another driver if the injury:
>consists in whole or in part of:( a) Significant and permanent loss of an important bodily function. (b) Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement. (c) Significant and permanent scarring or disfigurement.( d) Death.
[Statutes & Constitution :View Statutes : Online Sunshine (state.fl.us)](http://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0600-0699/0627/Sections/0627.737.html)
I suggest that your mother consult with a personal injury attorney to see if any of that applied. Don’t assume anything. Attorneys know how to get around that statute if possible.