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Cochran Firm Cleveland Insurance Claim

Source: Cochran Firm Cleveland / Cochran Firm Cleveland Insurance Claim

The short answer is it depends. Of course, your insurance company may choose not to renew your policy for many reasons. Among those reasons are tickets, accidents or other information which demonstrates that you are a high-risk individual who is likely to make a claim. (Remember insurance companies only make money by taking your premiums without ever having to pay a claim on your behalf).

Generally, if you are not at fault in an automobile accident, and your insurance company pays you monies under its policy, they will not usually drop or increase your coverage.

If however, you are at fault in an accident, then your insurance company may attempt to raise your rates when your coverages are renewed. In rare instances, and after several claims or tickets, your own insurance company may drop your coverage or increase your premiums to the point that you will have to seek new coverage.

Certain types of coverages, like uninsured motorists’ coverage and medical payments coverage, provide payment to you even if the other driver is at fault, but does not have sufficient coverage to pay all of your damages. Making a claim against your own insurer for these types of damages under these types of coverages do not provide a basis for your insurer to drop you.

Your insurance policy also requires that if you are involved in an accident you must cooperate with your own insurance company and assist them to a reasonable extent. Failure to provide this cooperation can result in a denial of insurance coverage thereby leaving you personally exposed for damages. Thus, even if you are at fault in an automobile accident, it is prudent to report the accident as soon as practicable to your own insurer.

When a person makes several claims within a certain period of time (usually three years), the insurance company may not choose to drop you, but instead put you into a “pool” of other high-risk drivers for whom the premiums are substantially increased. Some insurers will double, triple or even quadruple the premiums for such high-risk persons. Alternatively, the insurer may only offer insurance in minimal coverages to avoid the potential of paying a large loss on behalf of someone they feel is a bad risk.

The best way to avoid these consequences is to be a defensive driver. Always be aware of the other guy. Most insurers reward drivers who do not make claims with premium discounts.

The attorneys at The Cochran Firm Cleveland are among the nation’s most successful and tenacious attorneys. When navigating through the legal process, you deserve to have an experienced attorney by your side. The Cochran Firm Cleveland attorneys know how to fight for you.

Here at The Cochran Firm Cleveland, our experienced attorneys are ready to help you or someone you love that has been involved in a ridesharing accident that resulted in injuries. Our attorneys work closely with each of our clients using pooled resources and their access to legal expertise to ensure the most effective legal representation available is provided.


You need the help of an experienced attorney who has proven successful results in other similar cases to guide you through the process and help you to receive the monetary damages you are entitled to under the law. Our attorneys have won over $30 Billion in verdicts and settlements for our clients. At The Cochran Firm Cleveland, we have the experience, the results, and the resources to aid clients throughout northeast Ohio.


If you’re looking for an experienced accident lawyer to help you pursue justice for your medical costs, lost work, lasting injuries, and more, please contact our attorneys at The Cochran Firm Cleveland today for your free, no-obligation initial consultation today. 216-333-3333.