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?

Answer provided by
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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.
“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.”
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