Originally published by Sheba Abraham on March 15, 2025.
Goldberg Noone – Fighting for the Rights of Florida Drivers
Being involved in a car accident is stressful enough, but worrying about your insurance premiums increasing, even when the crash wasn’t your fault, is a stress we see often. At Goldberg Noone, we understand how frustrating the automobile accident insurance claim process can be, and we want Florida drivers to know their rights under Florida law.
What Does Florida Law Say About Premium Increases After a No-Fault Accident?
Under Florida Statute § 626.9541(1)(o)3.a, insurance companies are prohibited from raising your premiums solely because you were involved in an accident that was not your fault. This is part of Florida’s Unfair Insurance Trade Practices Act, designed to protect consumers from unfair treatment by insurance companies.
This means that if you were hit by another driver and you were not at fault, your insurer cannot legally increase your premium based on that accident alone. However, some insurance companies try to find loopholes or justify rate hikes under other factors.
Common Insurance Tactics: How Insurance Companies Try to Work Around the Law
Even though insurers can’t increase your premiums directly due to a no-fault accident, they might still attempt to justify rate hikes through other means, such as:
- Reassessing Risk Factors: Insurance companies may claim they are adjusting rates due to an overall change in risk factors, even though the timing aligns with your accident.
- Geographic Rate Adjustments: If you live in an area with a high accident rate, they may argue that regional risk is causing premium increases.
- Claim Frequency Adjustments: If you’ve had multiple claims (even if they weren’t your fault), they might use that to justify raising rates.
If you have questions about your premiums after an accident that was not your fault, call us for a free consultation. We are dedicated to ensuring insurance companies treat you fairly under Florida law.