Your Auto Insurance Rates Will Not Go Up For A "No-Fault" (P.I.P.) Claim (Unless You Were At-Fault)

Contrary to what most clients believe, an insurance claim does not make anyone's auto insurance rates go up, unless they were at fault.   Only the insurance rates of the person who was at-fault will go up, not the insurance rates of any innocent person whose insurance company pays the claim.  If you were not at-fault, your rates will not go up, even if you make an insurance claim "against" your own insurance company.  The same is true of the insurance rates of your relatives, and those insurance rates of the owner of the car you were in (their insurance rates will not go up either, unless they were at-fault).  But, if you were at fault, your insurance rates will go up, even without an insurance claim!  This means that it is being at-fault (not the insurance claim) that makes auto insurance rates go up.  Florida Law #626.9541.  Any understanding to the contrary is simply incorrect.