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Can my insurance rate increase if I submit a PIP claim?
Do personal injury protection rates increase with claims? I know your insurance rate can increase if you submit a claim.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whether your rate will increase after submitting a
PIP
claim will depend on your car insurance carrier and driving history. Some carriers rate PIP claims higher and also refuse coverage if someone has submitted too many PIP claims in the past.
Since PIP pays out regardless of fault, your rate often depends on the accident attached to it. If you’re not at fault, your rate likely won’t increase as much as an at fault accident. However it does depend on how your carrier determines rates.
You should not let your fear of a rate increase deter you from submitting a personal injury
claim
. If you were injured in an accident, the coverage exists to protect you. You can always shop around if your rate ends up increasing. You may find
affordable car insurance
even with a claim by comparing rates.” View full answer
- Gregory R.
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