{"id":136507,"date":"2025-02-20T00:11:33","date_gmt":"2025-02-20T00:11:33","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/"},"modified":"2025-02-20T00:11:33","modified_gmt":"2025-02-20T00:11:33","slug":"does-car-insurance-go-up-if-the-accident-is-not-your-fault","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/","title":{"rendered":"Does car insurance go up if the accident is not your fault?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#Does_car_insurance_go_up_if_the_accident_is_not_your_fault\" title=\"Does car insurance go up if the accident is not your fault?\">Does car insurance go up if the accident is not your fault?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#1_How_do_insurance_companies_determine_fault_in_an_accident\" title=\"1. How do insurance companies determine fault in an accident?\">1. How do insurance companies determine fault in an accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#2_If_the_accident_is_not_my_fault_why_would_my_rates_go_up\" title=\"2. If the accident is not my fault, why would my rates go up?\">2. If the accident is not my fault, why would my rates go up?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#3_Will_the_at-fault_drivers_insurance_cover_my_rate_increase\" title=\"3. Will the at-fault driver&#8217;s insurance cover my rate increase?\">3. Will the at-fault driver&#8217;s insurance cover my rate increase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#4_Should_I_file_a_claim_with_my_insurance_if_the_accident_is_not_my_fault\" title=\"4. Should I file a claim with my insurance if the accident is not my fault?\">4. Should I file a claim with my insurance if the accident is not my fault?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#5_How_can_I_prevent_my_rates_from_increasing_after_an_accident\" title=\"5. How can I prevent my rates from increasing after an accident?\">5. How can I prevent my rates from increasing after an accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#6_Is_it_worth_switching_insurance_companies_to_avoid_a_rate_increase\" title=\"6. Is it worth switching insurance companies to avoid a rate increase?\">6. Is it worth switching insurance companies to avoid a rate increase?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#7_Will_my_rates_go_up_if_I_make_a_claim_for_a_not-at-fault_accident\" title=\"7. Will my rates go up if I make a claim for a not-at-fault accident?\">7. Will my rates go up if I make a claim for a not-at-fault accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#8_How_long_will_my_rates_stay_high_after_a_not-at-fault_accident\" title=\"8. How long will my rates stay high after a not-at-fault accident?\">8. How long will my rates stay high after a not-at-fault accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#9_Can_I_dispute_a_rate_increase_after_a_not-at-fault_accident\" title=\"9. Can I dispute a rate increase after a not-at-fault accident?\">9. Can I dispute a rate increase after a not-at-fault accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#10_Will_my_rates_go_up_if_the_other_driver_is_uninsured\" title=\"10. Will my rates go up if the other driver is uninsured?\">10. Will my rates go up if the other driver is uninsured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#11_Will_my_rates_go_up_if_the_other_driver_is_underinsured\" title=\"11. Will my rates go up if the other driver is underinsured?\">11. Will my rates go up if the other driver is underinsured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#12_How_can_I_find_out_if_my_rates_will_go_up_after_a_not-at-fault_accident\" title=\"12. How can I find out if my rates will go up after a not-at-fault accident?\">12. How can I find out if my rates will go up after a not-at-fault accident?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Does_car_insurance_go_up_if_the_accident_is_not_your_fault\"><\/span>Does car insurance go up if the accident is not your fault?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the most common worries for drivers involved in an accident that was not their fault is whether their car insurance rates will increase as a result. The short answer is, it depends. While it&#8217;s true that some insurance companies may raise your rates after any accident, regardless of fault, many insurance policies are designed to protect drivers from rate hikes when they are not at fault. Here&#8217;s what you need to know about how fault impacts your car insurance rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_How_do_insurance_companies_determine_fault_in_an_accident\"><\/span>1. How do insurance companies determine fault in an accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Insurance companies typically rely on police reports, witness statements, and other evidence to determine who was at fault in an accident.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_If_the_accident_is_not_my_fault_why_would_my_rates_go_up\"><\/span>2. If the accident is not my fault, why would my rates go up?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Some insurance companies raise rates for any accident, regardless of fault, because statistics show that drivers who have been in an accident are more likely to be in another one.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Will_the_at-fault_drivers_insurance_cover_my_rate_increase\"><\/span>3. Will the at-fault driver&#8217;s insurance cover my rate increase?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>No, the at-fault driver&#8217;s insurance is responsible for covering the cost of repairs and medical expenses, not your rate increase.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Should_I_file_a_claim_with_my_insurance_if_the_accident_is_not_my_fault\"><\/span>4. Should I file a claim with my insurance if the accident is not my fault?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>It is generally recommended to file a claim with your insurance, especially if the at-fault driver&#8217;s insurance is taking a long time to process your claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_How_can_I_prevent_my_rates_from_increasing_after_an_accident\"><\/span>5. How can I prevent my rates from increasing after an accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>One way to prevent your rates from increasing after an accident is to choose an insurance company that offers accident forgiveness or a disappearing deductible.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Is_it_worth_switching_insurance_companies_to_avoid_a_rate_increase\"><\/span>6. Is it worth switching insurance companies to avoid a rate increase?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>While switching insurance companies may help you avoid a rate increase, it&#8217;s important to consider other factors, such as coverage limits and customer service, before making a decision.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_my_rates_go_up_if_I_make_a_claim_for_a_not-at-fault_accident\"><\/span>7. Will my rates go up if I make a claim for a not-at-fault accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>Some insurance companies may raise your rates after any claim, regardless of fault, so it&#8217;s important to check your policy or speak with your insurance provider.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_How_long_will_my_rates_stay_high_after_a_not-at-fault_accident\"><\/span>8. How long will my rates stay high after a not-at-fault accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>The length of time your rates stay high after a not-at-fault accident can vary depending on the insurance company and your driving history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_dispute_a_rate_increase_after_a_not-at-fault_accident\"><\/span>9. Can I dispute a rate increase after a not-at-fault accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>You can try to dispute a rate increase with your insurance company by providing evidence that the accident was not your fault.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Will_my_rates_go_up_if_the_other_driver_is_uninsured\"><\/span>10. Will my rates go up if the other driver is uninsured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>If the other driver is uninsured and at fault, your rates may go up because your insurance company may have to cover the cost of repairs and medical expenses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_my_rates_go_up_if_the_other_driver_is_underinsured\"><\/span>11. Will my rates go up if the other driver is underinsured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>If the other driver is underinsured and at fault, your rates may go up if your insurance company has to cover costs that exceed the at-fault driver&#8217;s policy limits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_find_out_if_my_rates_will_go_up_after_a_not-at-fault_accident\"><\/span>12. How can I find out if my rates will go up after a not-at-fault accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><\/p>\n<p>You can contact your insurance provider and ask them directly about how not-at-fault accidents impact your rates.<\/p>\n<p>In conclusion, whether your car insurance rates go up after an accident that is not your fault can vary depending on your insurance company and policy. It&#8217;s essential to understand your coverage and rights as a policyholder to ensure you are protected in the event of an accident.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does car insurance go up if the accident is not your fault? One of the most common worries for drivers involved in an accident that was not their fault is whether their car insurance rates will increase as a result. The short answer is, it depends. While it&#8217;s true that some insurance companies may raise &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Does car insurance go up if the accident is not your fault?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/does-car-insurance-go-up-if-the-accident-is-not-your-fault\/#more-136507\">Read more<span class=\"screen-reader-text\">Does car insurance go up if the accident is not your fault?<\/span><\/a><\/p>\n","protected":false},"author":31,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-136507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does car insurance go up if the accident is not your fault?<\/title>\n<meta name=\"description\" content=\"Does car insurance go up if the accident is not your fault? 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