Will your premiums go up if you were involved in an auto accident but were not at fault?
asked Feb 17 '12 at 03:02
If you made a claim with your insurance company, your premiums will likely go up regardless of whether the auto accident was your fault or not. That is why it is important to pursue all avenues to claim against the erring driver's auto insurance policy.
Auto insurance companies have varying policies as to what will cause your premiums to go up even though you are not at fault in the accident. Here are some of the reasons why your premiums may go up:
If you made just one claim and still maintain a good driving record, some insurance companies may just let this one time pass and not let your premiums increase. But if this happens one too many times, you can expect a rise in your premium rates. Insurance companies also put into consideration your risk level, and car accidents, whether due to your fault or not, will raise your risk levels.
Another example would be your car being damaged as a result of a slippery road while driving in a storm. Even though the incident may not be attributed as your fault, it will mean substantial expenses to your insurance company.
This also means an increase in your premiums. For instance, your insurance company will stop giving you discounts if it was shown that you were not wearing your seatbelt at the time of the accident.
This answer is marked "community wiki".
answered Feb 17 '12 at 03:02