A lot of people think that making an insurance claim will increase their rates. But that’s not the case with uninsured and underinsured motorist (UIM) claims.
Rates are increased when insurance companies receive data indicating that you’re a higher risk.
Being hit by an uninsured/underinsured driver does not make you a higher risk for claims in the future.
That’s consistent with Washington law:
Any policy of insurance may not be canceled, nonrenewed, denied, or have the rate increased on the basis of information regarding an accident included in the abstract of a driving record, unless the policyholder was determined to be at fault.
UIM comes into play where (1) you weren’t at fault and (2) the person who caused the accident didn’t have insurance or didn’t have enough insurance. UIM coverage also applies to hit and run accidents. (There is a presumption that treats the hit and run driver as uninsured.)
If you weren’t at fault for the collision your insurance company can’t increase your premiums. You paid for UIM coverage, you should use it.
Because your insurance company “steps into the shoes” of the uninsured or underinsured driver it is going to fight you. That’s why you need an experienced personal injury attorney on your side.