Is my insurance going to increase after putting a claim that a tow truck company damaged my car?

UPDATED: Oct 1, 2022

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Is my insurance going to increase after putting a claim that a tow truck company damaged my car?

A towing company damaged my car while towing it when there was a street cleaning and I did not get to move my car in time. They acknowledged that it was their fault, but instead of the company dealing with the expenses, the driver who damaged my car is the one who’s supposed to pay me. He obviously does not want to pay the 2500 in damage, ignores my questions as to why he’s the one paying for damage instead of the company, and instead wants to pay my deductible of 500. But won’t this cause my insurance to go up?

Asked on November 21, 2018 under Accident Law, Minnesota


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

There is no law saying your insurance must increase after putting in a claim--but there is also no law saying it can't increase. It's up to the insurer, and most (almost all, unless your policy has an "accident foregiveness" provision) will use a claim as grounds to increase your premium, and it is perfectly legal for them to do this.

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