If you are concerned about how much your uninsured motorist claim will increase your car insurance rates, there are some things you should know. Uninsured motorist coverage is a must-have insurance coverage in Texas. When you make a claim, you will be in the same position as the uninsured driver. You must either accept the uninsured motorist coverage or decline it. It will protect you from financial loss.

Moreover, you can use your uninsured motorist claim as an opportunity to increase your recovery. Your uninsured motorist claim will allow you to receive proper medical care and pay for the increase in your insurance rates. However, you should be aware that uninsured motorist coverage has strict deadlines. To avoid the penalty, make sure you make the claim promptly. Your rate will increase if you fail to meet these deadlines.

If your uninsured motorist claim raises your insurance rates, you should consider seeking legal assistance. Although insurance carriers are not required to disclose this fact, they will try to intimidate you into settling for less than you are worth. That's where a skilled attorney comes in. They will help you negotiate the best possible settlement with the insurer. However, there are exceptions to this rule.

If your insurance company decides to increase your rates, you should file a request with the Commissioner of Insurance. If you aren't satisfied with your insurance company's decision, you can try shopping around for another policy. There are other insurers that will not hold unpaid claims against your policy. So, if you are unsure about whether your uninsured motorist claim will raise your rates, try asking your insurance agent about your options.

If you are a high-risk driver, you'll probably pay more than your fair share for insurance. If you've had an accident in the past, you're more likely to face higher rates. But, it's worth remembering that most insurance companies see you as a high-risk customer. However, you can negotiate your rates to lower them over time. This way, you'll avoid paying for unnecessary repairs and surcharges.

Another way to lower your insurance rates is to increase your coverage. Adding UI/UIM coverage is similar to increasing collision coverage. The only difference is that the deductible will be much lower. It's important to note that a higher deductible does not necessarily mean higher premiums. By comparing your deductibles with the deductibles of the other coverage, you'll get a better idea of which one is more affordable.

Adding uninsured motorist coverage to your policy is a wise move because this insurance coverage will pay for damages and injuries in the event of a hit-and-run accident. This coverage can be added in increments of $5,000. Having enough property damage coverage will cover your car's replacement value and will ensure your financial well-being in the event of an accident. But, be careful: it is possible that an uninsured motorist claim can increase your rates.