Will My Insurance Go Up If I Hire an Injury Attorney?

Aug 31, 2023 | Blog, Personal Injury

Injury Attorney

Car accidents can be costly – both to your health and your finances. When another driver is responsible for the crash, it’s important to ensure your rights are protected.

While you will typically seek compensation from the other driver’s insurance company, the circumstances change if the other driver is uninsured or underinsured. The question is whether you’ll face an insurance premium increase for filing a car accident insurance claim with your company if the other driver is uninsured.    

Does Filing an Uninsured Motorist Claim Affect Your Car Insurance Premium? 

Thanks to Virginia car accident legislation, an insurance company cannot legally raise your premium for filing a claim as long as you were not at fault for the accident. If you have uninsured motorist coverage (referred to as UM or UIM for underinsured motorists), the premiums you pay to the insurance company are designed specifically for this purpose. 

Therefore, if you’re hit by an uninsured driver and file a claim, your insurance company will not initiate a rate increase. 

Why Hire a Personal Injury Attorney for an Uninsured Motorist Claim 

Assuming you have UM or UIM coverage, you might be wondering why you need an attorney at all, especially now that you know your car insurance premiums won’t go up.

Insurance companies will still look for any excuse to minimize the value of your claim or even deny it. Insurance process navigation can become complicated, and the assistance of an experienced attorney can be extremely beneficial in getting fair compensation for your personal injury claims. 

For example, a car insurance company may attempt to deny your claim in the following scenarios: 

  • There is a dispute about whether you have UM or UIM coverage and what your policy limits ar
  • The accident was a hit-and-run, and the insurance company challenges the validity of your clai
  • The insurance company argues that you were partially at fault, which can bar compensation under Virginia’s contributory negligence standar
  • You and your insurance company disagree over the value of your claim, and the company tries to “lowball” yo
  • The insurance company attempts to reduce your claim by denying the need for future medical car
  • The insurance company argues that your injuries are the result of a pre-existing medical condition 

Each of the scenarios above could result in receiving a personal injury settlement that is drastically less than it is actually worth. Further, negotiating with an insurance company while you’re in recovery can add to the stress and pain you’re already feeling.

The advantage of hiring a personal injury attorney, especially Geoff McDonald & Associates, is that you don’t have to pay anything upfront. Because most personal injury attorneys work on a contingency-fee-basis, they will represent you at no cost, and you only pay for services as a percentage of your settlement. 

If you are facing a situation where your claim is being denied, or you are offered a settlement that you feel is below what it should be, a personal injury attorney can help. According to a study conducted by the Insurance Research Council, accident victims represented by an attorney received settlement amounts that were 3.5 times higher than those who went head-to-head against insurance companies without hiring legal representation.

Injured in an Accident? Contact Geoff McDonald & Associates Today 

For more than 25 years, our compassionate and experienced personal injury attorneys have been standing up for the rights of car accident victims across Virginia. We offer free case evaluations, and there is no fee unless we win. Contact us at (804) 635-3508 for a legal consultation.

Geoff McDonald and Associates: 804-888-8888.


No Fees Unless We Win

    What Do I Do if an Insurance Adjuster Calls Me in Virginia?

    If you’ve contacted your insurance company about a car accident or property damage following a natural disaster, you may find yourself quickly overwhelmed with calls from an insurance adjuster. These calls are quite important — saying the wrong thing can hurt your...

    Liability in Boating Accidents: Who Can Be Held Responsible?

    Virginia features many beautiful rivers and easy access to the Chesapeake Bay, making it a hotspot for boating enthusiasts who love the outdoors. Long three-day weekends and summertime make for more trips on boats. But with so many boats navigating Virginia waters,...

    I Was Hit by a Large Truck in Virginia – What Should I Do?

    Accidents involving commercial trucks can be terrifying. Just one mistake can send a semi-truck toppling over, crushing your car beneath tons of steel. If you’re fortunate enough to walk away after such an accident, you may be dealing with painful and sometimes...

    What to Do if You’re Hurt in a Virginia Multi-Vehicle Crash

    Any car accident has the potential to cause catastrophic injuries and property damage, and multi-vehicle accidents can dramatically increase those risks.  Multiple-vehicle accidents involve three or more vehicles, which also complicates determining fault and...

    Can You Tell if Federal Trucking Regulations Were Violated?

    There is a vehicle collision every 4.4 minutes in the state of Virginia, resulting in an average of 161 injuries and 3 fatalities daily. To help keep the roads safe, government organizations like the Federal Motor Carrier Safety Administration (FMCSA) have instituted...

    Our Case Results

    Industrial Plant Accident

    Attorneys for the Plaintiff: Jeffrey A. Breit and Justin M. Sheldon Our client was killed in an industrial accident when an unauthorized worker was operating an overhead crane and pinned our client between…

    Rear-End Crash

    Our client suffered a traumatic brain injury, facial trauma, a dislocated hip and severe abdominal trauma when she was rear-ended at a traffic light by a tractor trailer. Suit was commenced shortly after…

    Assault of Log Truck Driver

    Attorneys for the Plaintiff: Geoffrey R. McDonald, Frank H. Hupfl, Justin M. Sheldon.
    Our client suffered a traumatic brain injury after being assaulted and knocked to the ground while fueling his logging…

    Drunk Driving Crash

    Our client suffered neck/head trauma and a broken wrist after his vehicle was struck by a drunk driver while he was stopped at a traffic light. Upon rejection of a settlement offer of $325,000, our litigation…

    Rear-End Collision

    Attorneys for the Plaintiff: Justin M. Sheldon and Geoff R. McDonald, Richmond
    GMA’s client was injured as a result of a rear-end collision in the greater Richmond area. The crash occurred a little after…

    Client Reviews

    Cheryl and Rich were wonderful and patient with me throughout the case. All of my questions were answered. They really helped me through this tough time and made sure to let me know what was going on. I really thank Geoff…

    Troy Saxby

    My experience with GMA staff was first rate. They always represented in a professional way and made sure I had everything as far as paperwork. Kara and Theo made sure to answer all my questions, was always available and so…

    Shirley Brown

    Geoff McDonald & Associates is the team that you want on the field if you’re in need of top notch legal defense! Mr. Taj Henley demonstrated true customer service skills and his expertise made me feel comfortable throughout the…

    Julian Reeves

    Geoff McDonald & Associates: Thank you Taj Henley for all of your hard work and dedication! Very expeditious in my case and I was very satisfied with my settlement. Will recommend to all my friends and family!

    Shareema Williams

    Geoff is number one in my book and I especially appreciate the support of Mr Henley

    Ebony Conwell

    I was so pleased with the knowledge and support from Mr. Taj Henley

    Kideem Frierson

    Thank you Geoff McDonald &Associates. A special thank you to Mr. Taj Henley

    Denise Conwell

    Mr. Taj Henley displays exceptional professionalism for Geoff McDonald & Associates, along with commendable communication skills and customer service. By his work ethic and commitment to the people he serves his value to any…

    Justin Fitzgerald