Why Should I Use My Car Insurance When The Accident Wasn’t My Fault? Will My Rates Go Up?

You should not hesitate to use your, or a relative’s, uninsured motorist coverage following an accident that is not your fault. You pay for it.  There is no point in having it if you aren’t going to use it.  If you don’t use the insurance coverage, you may find yourself paying hospital bills out-of-pocket and more following an accident that isn’t your fault.  Second, Virginia Code §38.2-1905 forbids insurance companies from increasing your insurance rates and premiums if the accident was not your fault.