Auto Insurance: Frequently asked questions

Should I expect my premium to rise if I reported an accident to my insurance company in which I was not found at fault?

It is unlikely you would see a premium increase solely because you were in an accident in which another person was at fault.

However, you may receive a premium increase if that accident was one of several you have had throughout the year or in recent years. Even if you had several accidents and were found not at fault in each of them, the insurance company may assume there is something hazardous about your driving and thus charge you a higher premium.

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