{"id":1400,"date":"2014-09-22T12:00:00","date_gmt":"2014-09-22T12:00:00","guid":{"rendered":"https:\/\/www.allenandallen.com\/will-my-insurance-company-increase-my-premiums\/"},"modified":"2024-04-10T08:15:24","modified_gmt":"2024-04-10T13:15:24","slug":"mi-compania-de-seguros-aumentara-mis-primas","status":"publish","type":"post","link":"https:\/\/www.allenandallen.com\/es\/blog\/will-my-insurance-company-increase-my-premiums\/","title":{"rendered":"\u00bfMi compa\u00f1\u00eda de seguros aumentar\u00e1 mis primas o cancelar\u00e1 mi cobertura si presento un reclamo?"},"content":{"rendered":"

People pay a lot of money for auto insurance coverage that they are afraid to use.\u00a0 Everyone understands that car insurance protects you and your loved ones from financial ruin when you are the cause of a collision that injures others.\u00a0 Your insurance is also designed to protect you and your family in the event that injury is caused through the fault of another who has no insurance or inadequate insurance.\u00a0 You may also be entitled to medical expense benefits through your insurance if you elected that coverage when you purchased your policy.\u00a0 It is common for people to be reluctant to make claims for these benefits from their own insurance company for fear of increased premiums or canceled coverage.\u00a0 You should know that the law protects your right to make these claims.<\/p>\n

The auto insurance industry is heavily regulated in Virginia and there are consumer protections in place to prevent unfair practices by insurance companies.\u00a0 There are only three circumstances where an auto insurance company can cancel your policy all together as long as the policy has been in effect for more than 60 days.\u00a0 They are: (1) failure by to pay the premium; (2) license revocation or suspension of the named insured, usual drivers of covered vehicles, or drivers living in the same house as the named insured; and (3) the named insured has moved out of Virginia.\u00a0 See<\/span> Va. Code \u00a7 38.2-2212(D).\u00a0 Making claims against your insurance policy for underinsured or uninsured coverage or medical expense benefits are not among the list of valid reasons for your insurance company to cancel your coverage during the policy period.<\/p>\n

The Virginia insurance statute lists a number of factors that an insurance company cannot consider as a basis for refusal to renew an insurance policy. See<\/span> Va. Code \u00a7 38.2-2212(C).\u00a0 The statute specifically prevents an insurance company from refusing to renew coverage on the grounds that claims have been made for uninsured or underinsured motorist coverage in cases where the uninsured defendant is known or there was physical contact between the unknown uninsured defendant and the victim.\u00a0 Va. Code \u00a7 38.2-2212(C)(n).[1]<\/a>\u00a0 The statute also prohibits an insurance company from refusing to renew a policy where a claim has been made for medical expense coverage in cases where the collision was not the insured\u2019s fault. \u00a0See<\/span> Va. Code \u00a7 38.2-2212(C)(o).\u00a0 Additionally, the law specifically prohibits an insurance company from increasing its premiums or charging points as a result of a motor vehicle collision that was not the fault of the named insured, a resident of the named insured\u2019s household, or a customary driver of the insured vehicle.\u00a0 Va. Code \u00a7 38.2-1905(A).<\/p>\n

The insurance company must inform you in writing of the basis for its fee increase, cancellation, or refusal to renew the policy.\u00a0 You have a right to appeal those decisions to the Virginia State Corporation Commission Bureau of Insurance if you feel that your insurance company has unfairly dropped your coverage or increased your premiums.\u00a0 Do not be afraid to make claims through your own insurance company.\u00a0 You paid for the coverage and you are entitled to rely upon it without fear of adverse consequences.<\/p>\n

At Allen & Allen we help our clients to recover compensation for their personal injuries from all available sources of recovery including their own insurance when necessary.<\/p>\n

About the Author: <\/strong><\/span>Rob Reed is a personal injury attorney in Richmond, Virginia with the law firm of Allen & Allen. His practice is devoted exclusively to protecting the interests of seriously injured clients and their families in personal injury cases.<\/p>\n

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[1]<\/a> Va. Code \u00a7 38.2-2212(C)(n) only makes reference to \u201cuninsured motorist coverage,\u201d but Va. Code \u00a7 38.2-2206(A) makes clear that such coverage encompasses claims for both uninsured and underinsured coverage.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

La gente paga mucho dinero por una cobertura de seguro de autom\u00f3vil que temen utilizar. Todos entienden que el seguro de autom\u00f3vil lo protege a usted y a sus seres queridos de la ruina financiera ...<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1400","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"\nWill My Insurance Company Increase My Premiums Or Cancel My Coverage If I Make A Claim?<\/title>\n<meta name=\"description\" content=\"Richmond personal injury attorney Robert C. T. 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