“Will my insurance go up if I file a claim?” is a question many Florida drivers ask. As an accident lawyer who’s handled countless cases, I can tell you that understanding how Florida insurance rules work will give you peace of mind and help you make more informed decisions about when to file a claim.

Florida Law and Car Insurance Premiums

Under Florida law, insurance companies generally cannot raise your premiums or refuse to renew your policy solely because you were involved in an accident unless they determine in good faith that you were substantially at fault for the crash.

If you were rear-ended at a stoplight and file a claim, your insurer cannot legally increase your premium if their records show you were not at fault. Additionally, Florida law prohibits nonrenewal of a policy for having just one at-fault accident within the past three years.

However, insurers can apply premium increases or nonrenewal in certain situations:

1. Multiple Accidents: If you’ve had three or more accidents within three years, insurers may choose not to renew your policy, regardless of fault.

2. Substantial Fault: If the insurer has evidence that you were substantially at fault in the accident, they may apply a surcharge or refuse renewal.

Florida law also protects drivers who can prove they were not at fault, such as being struck while lawfully parked, hit by a "hit-and-run" driver, or rear-ended without receiving a traffic citation. If you’re in this category, you may be entitled to reimbursement for any surcharge or renewal of your policy.

Premium Increases for Non-Accident Reasons

While Florida law limits rate increases due to accidents, insurers may raise premiums for reasons unrelated to fault or collisions. These reasons include:

• Economic Factors: Inflation or rising repair costs often lead to rate adjustments for all policyholders.

• Insurance Company Losses: Insurers may increase premiums across the board to offset higher-than-expected claims, such as after natural disasters.

• Policyholder Factors: Your credit score, driving habits, or changes in coverage could impact your premium.

Strategies for Keeping Your Rates Low

If you’re concerned about potential increases, there are ways to manage your premiums effectively:

1. Add Accident Forgiveness: Some insurers offer this feature to prevent rate hikes after your first at-fault accident.

2. Shop Around: Compare rates from different insurers periodically. Many companies provide discounts or incentives for switching.

3. Maintain a Clean Record: Safe driving is one of the most reliable ways to keep premiums low.

While Florida’s laws provide important protections against rate hikes for non-fault accidents, being proactive with your coverage choices and driving habits can help you stay on top of your insurance costs.

Have more questions about your right to fair insurance coverage? Get in touch with Alex, your accident lawyer, today.