Because car insurance is all about risk, the more accidents you have, regardless of fault, the higher the probability is that you could be involved in another crash. This means that you pose a higher risk to insure for your company.

Why might your insurance premium go up if you cause an accident?

Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And in some situations, not-at-fault accidents can still cost insurers money.

Can a car insurance company increase your premiums if you are not at fault?

Some car insurance companies are known to increase premiums after any claim, regardless of whether the accident was your fault or not. In some cases, your insurance company will look at both sides of the accident differently and not penalize you if you’re not at fault, and vice versa, varying on the situation.

What happens to your insurance rates after a no fault accident?

If your rate does go up after a no-fault accident, every insurance company increases rates differently. Some might increase your rate by 10%, and others might increase the rate by 2%. Additionally some states, such as Oklahoma and California, are not legally allowed to raise rates after a no-fault claim.

Why does car insurance go up after an accident?

If you’re in a car accident, you may see an increase in the amount you pay per month for your car insurance. Many different factors come into play when insurance companies consider a car insurance premium increase for the drivers they insure. Myth or Fact?

Why do car insurance premiums go up in rush hour?

In certain situations, your premiums could go up after you’ve declared a non-fault claim to your insurance provider. Even though it wasn’t your fault, your insurer may believe you are at a greater risk of having an accident and claiming on your insurance. These risks could relate to you travelling during rush hour traffic or peak times.