Accident Not Your Teen’s Fault? Your Insurance Cannot Go Up!
Seth Smiley here from the Smiley Law Firm with today’s edition of the Parents of Teen Drivers Facebook Group. Today’s topic is, “Accident not your teen’s fault? Your insurance cannot go up!”
If your teen is involved in an accident that is not their fault, in Louisiana, there is a Revised Statute La. R.S. 22:1284 in place to protect you. It says that your insurance company can not increase your rate. It can not cancel you. It can not refuse to renew your policy due to the accident.
The key is no fault on the part of your teenage driver. It is essential to get a police report on the day of the accident that gives only the other person a violation. It is a vital document to ensure that the cost of your insurance doesn’t get raised later.
The statute is vital as there are often issues with the other driver’s insurance company. They might act slowly, refuse to provide a rental car while repairs are made to your vehicle, or cause other problems. If that is the case, you can file the claim under your insurance.
It will enable you to get back on the road quickly, as your insurance company has a higher duty to take care of you. The insurance companies will then fight about who owes what and settle the finances.
In many cases, as a personal accident attorney, I see people afraid to file claims with their insurance companies out of fear that their insurance costs will go up. The statute protects you from that.
It can be a little complicated, so if you have any questions, please feel free to send me a D.M., and I will be happy to discuss the details further with you.
If you have any insight about “Accident not your teen’s fault? Your insurance cannot go up!” please comment below.
Recent Posts
- New Orleans, LA – Victims Transported from Crash Scene on I-10 at Veterans Blvd
- Baton Rouge, LA – One Lane Closed Due to Car Accident With Injuries on I-10 at Lobdell Hwy
- Lafayette, LA – Injury-Causing Accident on I-10 at Church Point
- Baton Rouge, LA – Vehicle Collision Leads to Victim Injuries on Government St
- New Orleans, LA – LSP Aids Injured Victims After Car Accident on I-10 at Canal St
- DeSoto Parish, LA – Man Seriously Injured in Hit-and-Run on I-49, Suspect Arrested
- New Orleans, LA – Police, EMTs Respond to Car Accident on I-10 at Carrolton Ave
- Rayne, LA – Two DOT Subcontractors Struck by SUV on Hwy 90 Near Gina St
- New Orleans, LA – Victims Transported From Scene of Car Accident on I-10 at Morrison Rd
- Baton Rouge, LA – Police Respond to Accident Involving School Bus on Old Hammond Hwy