Often people are in accidents, motor vehicle accidents, with other drivers that do not have insurance, and they’re forced to file claims under their own policy: either for their proper damage, or for injuries under what’s called uninsured motorist benefit protection, which will provide compensation for your injuries, for your lost wages, for your pain and suffering.
Those injured victims often wonder whether filing claims under their coverage will increase their premiums. The answer is, typically no. It should not increase your premiums. Premiums are going to go up,’; insurance companies raise them every year, just to normal inflation-type factors. Just because you file a claim for somebody else’s fault, just because you have to file a claim because somebody else does not have insurance, does not mean your premium is going to go up.
More importantly, you pay for those benefits each month when you do pay your premiums. You pay for uninsured motorist benefit. So therefore, if you are in an accident with another driver and are injured, you should get the benefits that you pay for, and make sure that you get that compensation. You shouldn’t worry about your premiums going up, because you already have paid for those benefits.
At Gainsberg Law, we will make sure that your benefits are protected, that you do get the compensation that you’re entitled to if you do have to file a claim under your own policy, and make sure that the insurance companies know that this accident was not your fault, and that your premiums should not go up. We make sure our clients are protected in every way possible, from getting the benefits that they’re entitled to, and getting the protection from their premiums. If you’ve been in an accident, or have been injured, you should call us at 312-313-1621, or email us, or visit our website at GainsbergLaw.com. Our office is in Chicago, and we serve clients throughout Illinois.