IF I PURSUE MY CLAIM IN COURT, WILL I BE PUNISHED WITH A HIGHER PREMIUM?

Your pursuing a legitimate claim, even in court, does not automatically give the insurance company the right to punish you with higher premiums. After all, what is the point of paying for insurance if you are afraid of filing a valid claim or protesting the unfair handling of a claim? Additionally, there are a number of restrictions that can apply to raising premiums. For example, if you are a member of a group policy, the whole group premium must be raised – not just yours. In other cases, the insurance company may have to receive approval from the Department of Insurance to raise rates.