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How do PIP claims impact your insurance?
Will my rate increase if I submit a PIP claim? I was injured in an accident and was told to submit a personal injury protection claim for my medical expenses. How will this affect my insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Any time you submit a claim to your
car insurance
, your rate could increase. There are many factors that impact insurance rates and your driving history is one of them. These factors can increase your rates:
- Multiple accidents and you had to submit claims
- The type of claim and accident
- At-fault claims or multiple PIP claims
If you need to submit a
PIP
claim due to medical expenses, you still should regardless of your rate. If your rate does increase at policy renewal, you can shop around using a smart comparison tool like
Jerry
. You may be able to find a lower rate with another carrier, even with a PIP claim.”View full answer
- Gregory R.
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