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.

Answer provided by
Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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.”

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