So some jerk just rear-ended you. You feel some pain in your neck and your back but because you're a kind person, you don't want to create a fuss and so you put up with the pain and the negative effects your injuries will have on your life and you ultimately decide to fix your car through your insurance policy while also deciding not to file a claim against the other driver's insurance policy.
Perhaps, your decision is based on the idea that you don't want the other driver's insurance premiums to go up. Or perhaps you're worried that if you sue the other driver, he/she will end up losing their house or their assets.
Nothing could be further from the truth. Personal injury attorneys very rarely go after the at-fault driver's personal assets. We don't need to do that because the at-fault driver's insurance policy will pay to fix your car and will compensate you for your lost wages, your pain and suffering, and the distress your injuries have caused you. That is the whole point of car insurance in the first place.
Even if you decide not to file a claim against the other driver's insurance policy, and instead merely fix your car through your insurance policy, guess what? Even in that scenario, the other driver's insurance premiums are still going to increase if he is found to be at fault for the car crash, whether or not you file a claim against his policy. Because even if you just do the bare minimum of fixing your car through your insurance policy, your insurance company will eventually contact the other driver's insurance company to demand that they reimburse them for everything they paid out to fix your car. This process is called subrogation.
So please do not believe the insurance propaganda that hiring personal injury lawyers or filing insurance claims is going to jack up insurance premiums for everyone. It's all hogwash. Your insurance premium will only go up significantly if you've caused a car crash or if you've received traffic violations.
Listen, this jerk just injured you because of his recklessness. Why would you want to let him off the hook? And at the end of the day, his insurance company will be the one paying the bill, not him.
Call us if you have any questions. We've got your back.