Many drivers hesitate to file a personal injury claim after a crash due to concerns about insurance premiums. Northern Virginia car accident attorney Jennifer Porter (https://jenniferporterlaw.com/will-my-car-insurance-rates-go-up-if-i-make-a-personal-injury-claim-in-virginia/) addresses these concerns in a recent article published by Jennifer Porter Law, PLLC. The article explains when insurance rates may increase in Virginia and how state laws protect drivers after an accident.
Virginia drivers already face high insurance costs, and fear of rate hikes can make them reluctant to take action after a crash. However, Northern Virginia car accident attorney Jennifer Porter emphasizes that state law prevents rate increases in many cases, especially when the driver was not at fault. According to the article, “After a crash, numbers show that rates can jump anywhere from 20 percent to 50 percent,” but Virginia regulations offer key protections that limit these increases. Jennifer Porter Law, PLLC works with clients to ensure that filing a claim does not come with unfair penalties.
When a crash occurs, determining fault is critical. Northern Virginia car accident attorney Jennifer Porter notes that only drivers found responsible for an accident are at risk of increased premiums. If another driver caused the crash, the injured person may file a claim without a rate increase. The law prohibits insurance companies from raising premiums or assigning points for accidents that were not the fault of the insured or a regularly permitted driver. Claims made for damage caused by uninsured or underinsured motorists are also protected from premium hikes.
Jennifer Porter brings over two decades of experience in personal injury litigation and has previously worked as legal counsel for major insurance providers. This background allows Jennifer Porter to understand how insurers assess claims and to guide clients through the process of protecting their rights while seeking compensation. At Jennifer Porter Law, PLLC, the focus is on helping clients recover while navigating the complexities of insurance and liability.
The article explains that filing a claim with another driver’s insurance should not impact a person’s own insurance rates. However, drivers are warned to be cautious when speaking with the at-fault driver’s insurance company. Insurance representatives may look for statements that can be used to deny or minimize a claim. Jennifer Porter recommends allowing the attorney to handle all communication with insurers to prevent misunderstandings or misstatements.
When a driver is found at fault, rate increases are more likely. Insurance companies consider several factors including the severity of the accident and the total cost of the claim. Premiums may rise between 20 to 50 percent and remain elevated for several years. However, Virginia requires insurers to give written notice for any rate adjustment. The notice must explain the reason for the increase and inform the driver of the right to appeal.
Virginia law offers a formal appeal process. Jennifer Porter explains that under § 38.2-1905, insurance companies may not raise premiums unless the insured or someone in the household was partially at fault. If a premium increases unfairly, the driver has 60 days to request supporting documents and challenge the surcharge. If the insurer refuses to correct the increase, a complaint can be filed with the State Corporation Commission. The article details how Jennifer Porter Law, PLLC can assist with this process by organizing documentation, handling correspondence, and escalating the matter when necessary.
Statements made at the scene of an accident and details included in police reports often influence how fault is determined. Insurance companies use this information to assess liability and may attempt to shift blame. Jennifer Porter advises clients to document everything carefully and seek legal support early in the process. If fault is disputed, presenting evidence in court may be the most effective way to resolve the claim.
Jennifer Porter Law, PLLC is available to assist individuals injured in Northern Virginia car accidents. The firm helps clients pursue compensation for medical expenses, pain and suffering, lost wages, and future needs. Legal representation can make the difference between a successful claim and one that results in delayed or denied compensation.
Virginia drivers facing injury claims should not allow uncertainty about insurance rates to prevent them from seeking help. Jennifer Porter provides clear legal guidance, helping injured individuals understand their rights and make informed decisions about their claims. Legal support is available to reduce stress, manage communications, and work toward fair outcomes after a car accident.
About Jennifer Porter Law, PLLC:
Jennifer Porter Law, PLLC represents clients throughout Northern Virginia in personal injury matters. Led by attorney Jennifer Porter, the firm focuses on car accident claims and brings deep knowledge of the insurance industry to each case. The goal is to secure compensation while helping clients avoid unnecessary financial setbacks from insurance rate changes.
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Company Name: Jennifer Porter Law, PLLC
Contact Person: Jennifer Porter
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Phone: (571) 532-9070
Address:8001 Braddock Rd Suite 102
City: Springfield
State: Virginia 22151
Country: United States
Website: https://jenniferporterlaw.com/
