Does Filing a UM Claim Raise My Rates?
Many people worry that using their uninsured motorist (UM) or underinsured motorist (UIM) coverage will increase their insurance rates. In California, filing a UM or UIM claim is generally not treated the same as an at-fault claim. This page explains what to expect.
How Insurers Typically Treat UM and UIM Claims
When you file a UM or UIM claim, you are claiming against your own policy because the other driver was at fault and had no insurance or not enough. Many California insurers do not raise rates for this type of claim because you were not at fault. Practices vary by carrier; we can discuss how your insurer typically handles it during a free case review.
Why It’s Different From an At-Fault Claim
An at-fault claim means your insurer pays for damage or injury you caused—and many carriers will increase your premium. A UM or UIM claim is for injuries caused by someone else. You are using coverage you paid for to be made whole. Insurers often distinguish between the two for rating purposes.
What You Can Do
Report the accident and file your UM or UIM claim as required by your policy. Get medical care and keep records. If your insurer delays or undervalues the claim, a Los Angeles car accident lawyer can push back. See uninsured motorist claims in California and at-fault driver no insurance for more.
FAQs
Does filing a UM claim raise my insurance rates?
Filing a UM or UIM claim on your own policy is generally not treated like an at-fault claim. Many California insurers do not raise rates when you use UM/UIM because someone else was at fault.
Will my premium go up if I use UIM?
Practices vary by carrier. Many do not surcharge for UIM claims for the same reason as UM—you were not at fault. Your policy and agent can clarify.
Should I avoid filing a UM claim to protect my rates?
You should not avoid filing a valid claim without understanding your carrier’s practice. You paid for UM/UIM to be protected. A lawyer can help you pursue the claim and advise on your situation.
What if my insurer says my rates will go up?
Policy language and state rules apply. If you are told your rates will increase, ask for the basis in writing. An attorney can review your policy and help you respond.
Related: uninsured motorist claims California, at-fault driver no insurance, what is UM coverage.