At Atlantis Insurance Inc., providing residents in the greater West Palm Beach, FL area with auto insurance, one of the questions that we are frequently asked is whether a car insurance company can increase rates for an accident that you were involved in but were not at fault for.
Can My Auto Insurance Rate Increase For An Accident That Was Not My Fault?
Your insurance company will base your premiums on many factors. As such, they may decide to increase your rate, even if an accident was not your fault based on:
Previous Claims or Driving History
While the specific accident may not be your fault, if you have a history of filing multiple claims or have a poor driving record, including traffic violations or previous accidents, your insurance rate could be affected. Insurance companies consider your overall risk profile when determining premiums, so a history of accidents or claims could still result in rate adjustments.
In some states with no-fault insurance systems, each driver’s insurance company is responsible for covering their own policyholder’s damages, regardless of fault. In these cases, your insurance rate might increase due to the overall claim costs and expenses associated with the accident, even if you were not at fault.
Your insurance policy may contain specific conditions or clauses that allow for rate adjustments, regardless of fault. It’s essential to review your policy to understand the terms and conditions related to rate adjustments and accident forgiveness.
We Can Help!
If you are looking for a new auto insurance policy, the team at Atlantis Insurance Inc., serving West Palm Beach, FL. can help. Give us a call today to learn more.
Did you know that car repair and replacement costs can be expensive, especially if you don’t have full coverage insurance? Full coverage insurance protects your vehicle from costly repairs or replacements due to an accident. Atlantis Insurance Inc. is here to assist with any questions about protecting your car in West Palm Beach, FL, with full coverage insurance.
What Is Full Coverage Insurance?
Full coverage auto insurance is a policy that protects damages incurred by both you and the other driver involved in an accident. This policy typically includes liability coverage and collision and comprehensive coverage, which protects against damage caused by collisions, vandalism, theft, and other non-collision-related events.
Benefits of Full Coverage Insurance
Full coverage insurance’s primary benefit is financial protection for both parties involved in an accident. This type of policy protects your vehicle and the other driver from having to pay out-of-pocket costs for any damage they may incur due to the accident. Additionally, full coverage auto insurance can often help lower premium costs since many insurers offer discounts for having comprehensive coverage on your policy.
Choosing the Right Policy for You
When choosing a full-coverage auto insurance policy, it’s essential to consider all available options and select one that best suits your needs and budget. Consider speaking with a qualified representative at Atlantis Insurance Inc.; we can help guide you through the process and ensure you get the right policy.
Car accidents can be stressful enough without worrying about how much it will cost to repair or replace your car if needed. That’s why it is essential to ensure you are adequately protected with a full-coverage auto insurance policy. If you need help finding the right policy for your needs in West Palm Beach, FL, contact us today!
Many people try to save as much money as they possibly can. They look at where they are spending money and look for ways to cut back. One thing that they may be thinking about is getting rid of their automobile insurance. However, that could be a big mistake. Consult with us at Atlantis Insurance Inc. in West Palm Beach, FL to learn more about your options.
Here are some reasons that you need to have auto insurance:
It is the law
Most states require you to have some sort of auto insurance before you get behind the wheel. If you get pulled over without insurance, you could be in trouble.
If you are at fault, it will help pay for the damage to their vehicle, as well as their medical bills
Since most people are unable to pay for vehicle damages and medical bills, your insurance company will pay for you.
It will also pay for property damage
If you damage a fence or shed, your insurance will help to cover these costs.
If you aren’t at fault, you want to hope that the other person has insurance
You are going to rely on their insurance company to cover the damage to your vehicle, as well as your medical bills.
Your lender may require it
Many lenders want to make sure that they are protected, so they require a certain amount of insurance for a vehicle. They just want to make sure that it will be fixed if something happens.
You should have insurance because your state requires it. Your lender may also require it. However, it can also save you from expensive bills if you are at fault for an accident.
Give Us A Call
If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atlantis Insurance Inc. in West Palm Beach, FL.
Unfortunately, as many West Palm Beach, FL residents are aware, there are a lot of uninsured drivers on the road in Florida. The team at Atlantis Insurance Inc is here to help you protect yourself from them.
Protect yourself from uninsured drivers today
Many drivers are unaware that if they are involved in an accident with an uninsured driver 100% of the liability can fall to them. This can add bad news to an already sad story if you have been injured in an accident.
We all carry insurance to protect ourselves and others, and it can be very disheartening to learn that not everyone carries that same sense of responsibility. It is up to you to make sure that you have the protection you need. Many auto policies provide protection from uninsured drivers as an add-on. This can make it easy to overlook the coverage when you are selecting your policy.
Choosing the right policy for your needs can be more complex than you first think, but it is worth it to take the time and care to get the coverage that is most appropriate for your needs. Work with your local agent today and make sure that your policy has what you need!
What to learn more? Call Atlantis
Here at Atlantis Insurance Inc, we want to help protect the West Palm Beach, FL community from uninsured drivers. Don’t wait to find out that your current policy doesn’t provide the protection you need. Now is a perfect time to review your auto policy to ensure that you have the coverage you need. Call or stop by our office today and find out more!
In Florida, there are specific auto insurance laws that pertain to Florida drivers and car owners. There are two types of coverage that are required by law, and there are several others that are highly recommended for drivers though not required by law. If you need auto coverage, contact us today at Atlantis Insurance Inc. in West Palm Beach, FL.
Personal Injury Protection
Florida is considered to be a no-fault state. That means that each driver must have their own personal injury protection policy. This policy has a set amount that is allowed for medical bills after an accident. The amount required by the state is fairly low, though, and a serious accident would cost more than the minimum required amount. It’s recommended that you raise the amount you are covered for.
There is a low amount required for property damage liability. This is coverage for the driver of the other vehicle if you were responsible for the accident. This coverage pays for the damage that your vehicle causes to theirs. The amount required is low, however, and raising it can help you to meet those charges if and when the day comes.
In Florida, there is no amount required for bodily injury liability. The state relies on personal injury protection coverage to take care of injuries and so does not make bodily injury liability coverage required. However, your medical bills after an accident can easily outstrip your personal injury protection. That’s why it’s a good idea to add bodily injury liability to your policy. If you were to be at fault for an accident in which someone was injured, and they used all of their personal injury protection, you could be sued for the rest. If you have this liability coverage, the policy would pay toward that overage.
To get your auto coverage, contact us at Atlantis insurance Inc. in West Palm Beach, FL.
When you own a car, it comes with some responsibilities to carry auto insurance. What exactly those responsibilities depend on the state you live in. Insurance requirements are determined on a state level, so if you move, never assume the requirements you had in your previous state are the requirement in the state you have moved to. At Atlantis Insurance Inc. in West Palm Beach, FL, we have decades of experience, and we make sure our customers know the Florida auto insurance requirements and are in compliance.
Florida is a no-fault state. This adds another dimension to required auto insurance. The required coverage is PIP (Personal Injury Protection) and PDL (Property Damage Liability). PIP coverage protects you personally in the event of an accident, and it doesn’t matter who is at fault. Keep this in mind when determining what amount you feel comfortable with. PDL pays for damage caused by you to someone else’s property. Florida residents require these two insurances before they can register a vehicle with four wheels.
The minimum amount of PIP you must carry is $10,000. Keep in mind this insurance only pays 80% of any injuries, so you would still be responsible for $2,000. PDL coverage must also be a minimum of $10,000. Before you accept this as reasonable, consider the average cost of auto repairs or replacement, especially if it is a newer vehicle you damage. You must maintain this coverage even if your vehicle is stored and not being driven or inoperable. Failure to do this could result in your driving privilege and your registration being suspended for as much as three years, and you could be fined up to $500 to reinstate your driver’s license or registration.
Contact Atlantis Insurance Inc. in West Palm Beach, FL for all your insurance needs. We are independent agents and can offer you more choices and the best deals.
Auto insurance is a necessary expense and required by law in most states. Because this is a required expense in most states it is imperative that customers find the absolute best deal on auto insurance. The best way to always make sure you are getting a great deal on auto insurance is to periodically shop around and compare rates. At Atlantis Insurance Inc. serving West Palm Beach, FL, we enjoy educating our clients and future clients on these topics. Keep reading to learn about when you should start shopping for a new auto insurance policy.
It is recommended to shop around once a year and compare rates on car insurance. This gives you the opportunity to see what new deals are available and also to see what new discounts are available based on changes you may have made in your life, such as getting married or buying a house.
When there are changes in your family dynamics you should consider shopping for a new insurance policy. Changes in family dynamics that can affect car insurance include: getting married, getting divorced, adding a new driver, or taking off a driver. These changes can have a huge impact on the cost of your insurance. Be sure to discuss these changes with an insurance representative when you are shopping for the best rates.
New Car Purchase
When you purchase a new vehicle you will need to have insurance in place. This is a great time to shop around and see what the best deal will be for your new and existing vehicles. There are often multi-vehicle discounts available for people who will have more than one vehicle on the policy.
If you would like to learn more about auto insurance, please contact our friendly staff at Atlantis Insurance Inc. serving West Palm Beach, FL.