Should You Change Car Insurance After an Accident? Why a Lawyer’s Guidance Is Critical

After a car accident, there’s more to think about than just vehicle damage and medical bills. One often overlooked question is: Should you switch your auto insurance company? While every case is different, there are several reasons drivers in Illinois might consider changing insurance providers after a crash.

Understanding the potential consequences, benefits, and risks of making this move is critical. And while you may be tempted to handle it on your own, consulting with a legal professional can help you avoid common pitfalls.

Why Drivers Consider Switching Auto Insurance After an Accident

Accidents can disrupt everything—especially your trust in your insurer. Here are a few of the most common reasons drivers consider making the switch:

• Rate Increases: Even if the accident wasn’t your fault, your rates may go up.

• Poor Customer Service: If your insurance company delayed your claim or denied it unfairly, you may want better service.

• Limited Coverage: You may realize your current plan doesn’t offer enough protection.

• Better Deals Elsewhere: Competing providers may offer more affordable premiums or better benefits.

However, making a change too soon can backfire, especially if your claim is still being processed.

Is It Legal to Change Car Insurance After an Accident?

Yes, in Illinois and most other states, you are legally allowed to switch insurance companies at any time—even right after an accident. But just because it’s legal doesn’t mean it’s always smart.

If your claim is still pending, changing insurers won’t eliminate your current company’s responsibility for the claim. However, switching mid-claim can cause confusion and may delay the process. That’s why it’s usually better to wait until the claim is resolved.

What to Consider Before Making the Switch

Before pulling the plug on your current provider, ask yourself the following questions:

• Is my claim still open? If yes, you may want to wait until it’s closed.

• Will I save money? Compare premiums, deductibles, and coverage levels.

• Am I being penalized unfairly? A lawyer can help determine if the insurer acted in bad faith.

• What is my driving record like now? A recent accident—especially one where you were at fault—may limit your options with other insurers.

How an Attorney Can Help You Make an Informed Decision

Navigating the post-accident insurance maze is not easy, especially when you’re also dealing with injuries, vehicle repairs, and possibly lost income. That’s where legal guidance becomes invaluable.

A car accident attorney can:

• Review your current policy and claim status

• Explain how switching might affect your rights and future claims

• Help you dispute denied or underpaid claims

• Protect you from bad faith insurance practices

If you’re feeling pressured by your insurance company—or just unsure about your next steps—legal advice can provide peace of mind.

Will Changing Insurance Hurt My Claim?

No, changing insurers does not cancel or erase your open claim. Your current insurance company remains responsible for any claim that occurred while your policy was active. But there are practical downsides:

• Delays in claim processing

• Difficulty tracking documents or communications

• Additional headaches when dealing with both old and new companies

This is why many attorneys recommend waiting until your case is fully resolved before switching carriers.

Common Mistakes to Avoid

When it comes to switching insurance after a crash, here are some common pitfalls to avoid:

• Switching too early: Let your current insurer finalize the claim.

• Failing to disclose the accident: Always be honest when applying for new insurance.

• Overlooking coverage gaps: Make sure your new policy starts immediately after the old one ends.

• Assuming lower rates mean better coverage: Compare what’s actually covered—not just the price.

Your Rights If You’ve Been Treated Unfairly

If your current insurance company delays your claim, offers an unreasonably low settlement, or denies your claim without justification, you may have legal grounds for a bad faith insurance claim. In these cases, you could recover damages far beyond your original claim.

Working with a qualified lawyer ensures your rights are protected and gives you the leverage needed to take legal action if necessary.

Should You Change Auto Insurance After an Accident in Illinois?

Ultimately, the decision depends on your specific situation. If your insurer treated you fairly, resolved your claim efficiently, and still offers competitive rates, you may want to stay. But if they fell short—especially during a difficult time—it may be time to move on.

Just make sure you:

1. Wait until your claim is finalized.

2. Compare multiple policies for the best protection.

3. Speak to a legal professional before making any moves.

Why Many Turn to Onward Injury Law

Onward Injury Law supports clients across Illinois who are navigating post-accident insurance decisions. The firm is known for helping people stand up to bad faith insurers, evaluate their options, and protect their financial futures.

If you’ve been wondering whether to switch carriers—or if you’re frustrated with how your current claim is being handled—start with trusted legal insight.

Final Thoughts

If you’re searching for answers about whether to change car insurance after accident, your situation may be more complex than it seems. The key is knowing your rights, avoiding mistakes, and making the right call at the right time.

With legal help, you don’t have to second-guess your next step. Get the clarity you need and the confidence to move forward—whether that means switching insurers or holding your current one accountable.