You would have thought that if you made a claim on your car insurance policy as a result of being in an accident that was not your fault that your premium would not increase. Unfortunately, that is not always the case as a number of insurers do increase your premium at renewal. In fact, if you were to make two no-fault claims then even more insurance companies will charge you an even higher premium.
This may seem unfair to a lot of motorists so why do some insurance companies do this? Well, apparently, statistically someone that makes such a claim is more likely to be involved in an accident in the future. It could be that the location where the accident took place is a notorious black spot.
So, what can you do if your insurer is going to increase your premium when the policy comes up for renewal? Well, you can shop around to see if you can find another provider that will provide the cover that you require but without loading the premium due to having made a no-fault claim. One of the easiest ways of doing this is to use a price comparison website as, just to compare quotes, you could put in the information as if you had had a no-fault claim and then do the same again but without keying in the information about the no-fault claim. This should help identify some of the companies that do not charge extra for such claims and then you can key in the correct details and contact the appropriate company.
There are some policyholders that do not tell their insurance company if they have been involved in an accident that was not their fault and settle directly with the other driver. The problem with that could be that if the other driver decided to claim against you at a later date for say whiplash injuries you are probably going to have wished that you had notified your insurer as the claim against you could be a significant sum.
We hope that the above has been of assistance.