If your in an accident and it's not your fault does your insurance go up any?

lover_of_paints_&_quarter_horses

If all you have is one not at fault accident it should not go up at all. If it does check with a new ins company.

Did some more research and also depends on the state statutes and if you have any other tickets or accidents.

melaniegirl

Mine did.

mr.lovinit

depends on where you live.

kherome

Mine didn't...

?Dodger1125

It`s not supposed to, but you can`t win with them. They`re always looking to make extra money, and I guess it all depends on who you have your policy through, and where.

gldjns

If it is proven that it wasn't your fault, the answer is no. And some insurance companies are very forgiving and overlook an accident even if it was your fault, if it's a first claim, and you have had a good driving record up until the time of the accident.

bostonianinmo

Depends. In a no-fault state everyone's rates go up when they file a claim unless the policy says otherwise. Fault doesn't figure into it.

If you are a hit-and-run victim and don't have uninsured motorist coverage, your rates will be affected. Ditto if you are hit by an uninsured driver and your collision coverage pays.

If you have a comprehensive claim, fault isn't assigned but your rates will usually be affected.

D.L.

If your in an accident and not at fault your rates shouldnt go up.The only time they should go up is if you are at fault and damages are more than 999 dollars.If below 999 they shouldn't go up either.

oklatom

Yes. If you're not in an accident it will also. Or that's been my experience, cost of living seems to make it go up every year.

Baby

in WA state you get points and a find for accidents and it will be on your Driving Record and your insurance will go up .if you at fault . and than again it depends on ,in which state you have the accident and you are not at fault ,it could or could not go on your record or affect your insurance

Paige

Mine didn't. I use Geico.

Chris

Not usually, but other factors such as your driving record and other claims may influence that. But as a general rule, no.

just me

NJ it does. Unless it is considered by them as an "act of God" like hitting a deer. But if you hit something, like a guard rail when going around a curve and slide on leaves..believe me it goes up!!

Annie

Depends on the state. Every insurance has different rating factors. The state regulate what can and cannot affect insurance rates. When you are not at fault and deemed not at fault, you are not surcharged (meaning points towards your insurance which causes your insurance to increase significantly). But when you have a not at fault accident you are pushed into a different rating factor which may increase your rate. Also you may loose an incident free credit. Call your insurance company to see how they rate you :)

smokingcivic

No it wouldn't.

They call me ... Trixie.

Yes, it can.

KUZIKAN

Hell yeah!!! It ****-in suxs!!! ***** ran red light at an intersection doing 70mph and t-bone me. My premium doubled and it wasn't my fault at all.

Kathy

They aren't allowed to raise it if you are ZERO % at fault (i.e. completely not at fault). Anything more than that, and they can raise it. If it DOES go up, you can call and ask them why. Usually if it goes up it will be because of other factors (like if you had previous tickets, etc.). Mine went up $400 one year for no reason, I didn't get any tickets or claims - when I called to ask why, they told me the overall cost just went up for my state. The person who said the damage has to be more than $1000?? That doesn't matter either. A claim is a claim, the amount of the damage doesn't matter. @Justme: duhh of course if you slide on leaves and hit a railing - that's YOUR fault, it will go up for sure!! Because it was your mistake...

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