Will my insurance premium increase if I make a “not at fault” claim?

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When you’re involved in an accident where you are deemed “not at fault,” it means that the responsibility for the accident lies with the other party involved. This could be due to their negligence, reckless driving, or any other factor that caused the accident.

Impact on insurance premiums

In most cases, making a “not at fault” claim should not increase your insurance premium. This is because the fault lies with the other party, and your insurance company understands that you were not responsible for the accident.

However, insurance premiums can be influenced by various factors, such as your driving history, claims history, and the overall risk associated with insuring you. While a “not at fault” claim may not directly impact your premiums, these other factors still play a role.

Final thoughts

Even if you’re not at fault, making multiple claims within a short period might signal a higher risk to your insurer. This could lead to a premium increase. Some states have laws that prevent insurers from raising preventing after “not at fault” claims, while others might allow it.

Review your insurance policy and contact your insurer to understand how “not at fault” claims could impact your premium. Focus on maintaining a clean driving record to be in the good books of your insurance company.