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If we don’t file a claim, will our insurance company see a police report anyway and raise rates?

Asked by user in TX.

Answered by Enjuris Editors:

In Texas, there are no laws protecting consumers from rate increases after accidents or tickets. So, in theory, your insurance company can raise your rates even if you don’t file a claim. However, I’m not aware of any insurance companies that actively monitor police reports.

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Laura Brown

Laura Brown has dedicated her career to being an advocate for individuals, children and families who have been hurt due to another person's negligence. In 2000, she launched her own personal injury law firm to focus on cases in Texas and nationwide, and she is especially passionate about birth injuries.

Laura attended Baylor University as an undergraduate premedical student, graduating with a degree in biology. Though she was destined to be a trial lawyer like her father and grandfather before her, her pre-med background was the perfect training for her ultimate calling: fighting for the victims of negligence. She was admitted to the Texas Bar in 1992 and has served her community ever since.

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