Will My Insurance Go Up If the Accident Wasn't My Fault?


In addition to the damage sustained to your body or your vehicle, one of the negative effects of being in an accident is facing a hike in your insurance rates. Your premiums may rise even if you weren't at fault.

Setting Premium Prices

Auto insurance companies set the price of their premiums based on the perceived risk of the insured driver filing a claim for damages. The more likely the driver is file a claim, the more the insurer will charge. If the insurer believes the driver is accident prone, then it may raise his premium when the policy is renewed.

Single Accident

According to the automotive reference website Car Insurance Rates, it is unlikely that a person's insurance rates will go up if he is involved in only a single accident that is not his fault. In this case, the company will likely perceive that the insured driver played no fault in the accident and therefore is no more likely to file a future claim than a similar driver who is accident-free.

Multiple Accidents/Violations

If a driver is involved in two accidents, even several years apart and even if both were not his fault, then his rates may rise. The insurance company may deduce that the driver is a higher risk and should pay high premiums.


In addition to bumps in his insurance rates, a driver may also be stuck paying the deductible on his policy each time he files a claim. Some companies make it a policy to attempt to help the insured driver recover the deductible in the case of accidents that were not his fault. However, other companies may leave it to the insured driver to attempt to recover his deductible from the driver who caused the crash.

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