The car insurance company may not raise car insurance premiums unless the insurer determines that the policy holder was “substantially at fault” in causing the auto accident. This is codified under F.S. 626.9541(3)(a). But, if you have had three or more not-at-fault accidents in the prior three year period, the auto insurance company may refuse to renew your policy. (F.S. 626.9541(3)(c)).
Using PIP cannot raise your rates, but being involved in a crash, being involved in one-too-many crashes, having an at-fault crash or getting a citation for a moving violation can cause your insurance coverage premiums to increase. There are a multiplicity of factors that cause insurance rates to increase, including moving to a new city or buying a different car. Insurance rates are predicated upon risk.
Rate also increase because insurance companies want to make more money. Costs to run an insurance carrier increase every year, an generally, insurance companies pass those costs onto you. Your contract only lasts during the policy period, and when that period is over, the insurance company is free to offer you coverage at another rate (higher or lower
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