09/28/2026
It is one of the most common reasons people hesitate after a crash. The other driver ran the light, your neck hurts, and you know you should open a claim. But somewhere in the back of your mind a voice says that the moment you do, your premium jumps and never comes back down.
Florida law bars insurers from raising rates solely for a crash you did not cause. Learn when rates can rise and how to push back if yours does.