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Will a personal injury claim by me on my own car ins policy increase the premium?

I crashed my fiances car and I'm a named driver. Hit parked cars so noone else involved/to blame. Can I claim off car insurance for personal injury and if so will it affect our insurance premiums a lot/is it worth doing. P.S. Injuries were whiplash, back pain and mild concussion. Still suffering from back pain, constant headaches, loss of concentration and suddenly bad memory.

Public Comments

1. If the accident is turned in to your insurance it will raise your rates.
2. It depends on if you've got no claims bonus and if there protected! If they are then your ok! But if not, then ur insurance premium will go up!
3. You need to review your current policy- You might have an accident waiver endorsement- where you would receive an accident forgiveness option to fix the vehicle, however, if you have caused bodily injury to yourself often you claim accident benefits- no charge. The collison coverage would fix or replace the existing vehicle. Check out this resource for further help http://www.insuranceria.com
4. If you are at fault for the accident....and it sounds like you are since you hit parked cars....you can not make a claim against the liability coverage of the car you were driving. The reason is: you can't be liable to yourself. You can't go into a court of law and sue yourself for causing injuries to you. That's why....all the people who are hurting for money in the current economy....can't go run their cars into trees so they will be paid for "pain and suffering". Therefore, the only coverage that could help you with your medical bills would be Medical Payments coverage or Personal Injury Protection (depending on which one you have....if you have one or both of these coverages). These coverages pay for medical bills up to their limits. They do not pay "pain and suffering". Your agent may be able to give you an idea how filing a PIP or Med Pay claim would affect your rates. But odd are....you're going to have a rate increase after your insurance company gets done paying for the cars you hit.
5. Depending upon the state your in, you can claim injury if you carry a Med Pay coverage or PIP (personal injury protection). You cannot seek medical off of your own Bodily Injury coverage. Yes, not only the injury but the 'at fault' will both raise your premiums.
6. The personal injury claim is only going to do the same as the claim to repair the car(s) As stated, if you've got protected NCD your OK otherwise the premium will increase next year.
7. Lets just assume that the insurance company will award you say $3,000.00 for injuries. Then raise your rates say $200.00 per year for 3 years. What do you think would be the best way to go ? Don't be penny wise and pound foolish. It all boils down to Math and common sense
8. most insurers will not let you make a personal injury claim on your own policy if you are to blame for the accident.