Can a Not-at-Fault Accident Make Your Insurance Rates Go Up

woman on cell phone calling insurance company while looking at her crashed blue car.

If you cause an accident, meaning it’s your fault, you can probably understand that your car insurance rates should go up. But what if the other driver was 100% at-fault? Even then, it’s still possible to see a rate increase. The reason is that it might have been possible for you to avoid the accident.

Accidents Equal More Risk to Insure You

The main idea is that your auto insurance rates go up when there’s more risk that you will file a claim. Insurance companies have data showing that people who have previously been in an accident are more likely to be involved in another.

If you’re at fault, the reasoning is simple. If you were speeding, texting, or just had a slow reaction time, car insurance companies will think there’s a chance it could happen again. They might have to raise your premiums as a result.

Not-At Fault Doesn’t Mean Not Avoidable

The meaning at-fault for auto insurance purposes generally means a driver did something they shouldn’t have. They therefore were the primary cause of the accident. It doesn’t mean that the not-at-fault driver couldn’t have avoided the situation, however.

For example, say your light just turned green as another driver runs their red light. Some drivers might go on green and get hit. More defensive drivers might look to make sure traffic is stopping before entering the intersection and not get hit. To insurers, those defensive drivers mean the insurance company can spend less time and money dealing with claims. They might get a better rate because they don’t have any accident claims on their policies.

Other drivers may have worse luck because of when they drive. Someone who only drives on quiet Sunday mornings has less chance of being in an accident than someone with a long daily commute during rush hour. Part of this risk is built into your premium adjustments for your location or annual mileage. However, a not-at-fault collision may still signal that you’re driving in riskier conditions than other drivers.

Rate Increases Aren’t Guaranteed

Filing a not-at-fault claim doesn’t mean your insurance rates are guaranteed to go up. It’s just one of many factors car insurance companies will consider the next time they renew your coverage. If your rates do go up, it will likely be a smaller increase than for an at-fault claim.

In addition, keep in mind that different auto insurance providers calculate premiums differently, so you may see an increase with your current provider but a better rate from a new company. Therefore, your independent insurance agent can help you switch to this company.

FAQ’s About Can a Not-at-Fault Accident Make Your Insurance Rates Go Up

Will my insurance rates go up if I’m not at fault in an accident?

In some cases, your insurance rates may still increase after a not-at-fault accident due to factors such as the severity of the accident and your overall claims history.

How does a not-at-fault accident affect my insurance premium?

Even if you’re not at fault, your insurance premium may still be affected as insurance companies consider various factors when determining rates, including the frequency of claims.

Can I avoid a rate increase after a not-at-fault accident?

While you may not be able to completely avoid a rate increase, some insurance companies offer accident forgiveness or other programs that can help mitigate the impact of a not-at-fault accident on your rates.

What should I do if my rates increase after a not-at-fault accident?

It’s important to review your policy and discuss the rate increase with your insurance provider to understand the specific reasons behind the change and explore potential options for managing the increase.

Will my insurance company raise my rates if the other driver is at fault?

Even if the other driver is at fault, your insurance company may still consider the circumstances of the accident and your overall claims history when determining your rates.

How long will a not-at-fault accident impact my insurance rates?

The duration of the impact of a not-at-fault accident on your insurance rates can vary depending on the insurance company and the specific details of the accident.

Can I switch insurance companies after a not-at-fault accident to avoid a rate increase?

It’s possible to switch insurance companies, but it’s important to consider the overall impact on your coverage and rates before making a decision.

Will my rates go up if I file a claim for a not-at-fault accident?

Filing a claim for a not-at-fault accident may still impact your rates, as insurance companies consider various factors when assessing risk and determining premiums.

How can I best protect my insurance rates after a not-at-fault accident?

Maintaining a safe driving record and discussing potential options with your insurance provider can help protect your rates after a not-at-fault accident.

What factors do insurance companies consider when determining rate increases after a not-at-fault accident?

Insurance companies consider factors such as the severity of the accident, your driving history, the frequency of claims, and the overall risk profile of the insured individual when determining rate increases after a not-at-fault accident.

Does a no-fault accident go on your record?

When it comes to car accidents, many people wonder if a no-fault accident goes on their driving record. The answer is that it depends on the state you live in. In no-fault states, both drivers involved in an accident are responsible for reporting the accident to their insurance company. However, the accident is not typically recorded on their driving record.

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