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Car Insurance Question  I was involved in a rear-end collision where the other driver was at fault and his insurance company has admitted fault. I am in Florida and am covered by PIP insurance. Since the accident I have had severe back spasms and neck pain. I know I have to file a claim with my insurance company to have it checked out but I am reluctant to do because I am afraid of increased ins. rates for the next few years. Will this happen to me or does it not affect my insurance rates?

We are unable to advise if your automobile insurance rates would increase based on a not-at-fault PIP claim being reported. There are many factors that are used to base insurance rates and without knowing your full drivers history we cannot tell you if your insurance company would raise your rates due to making a personal injury protection claim for the injuries you sustained in this car accident.

Your specific car insurance agent would be able to tell you if making a PIP will affect your rates in the future with your current insurance provider since he or she knows about your carrier's rating system plus they can look up your driving record and claims history.

If your rates do rise you can shop around for better Florida car insurance rates here with an auto insurance specialist.

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This car insurance question was asked on 12/17/2007
This auto insurance answer was last updated on 12/21/2007
Linda P requested this car insurance solution.
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