If I get into a car accident and it's technically not my fault, will my insurance rate increase anyway?

It depends on the type of accident and the state in which you are licensed. States like California are considered "no-fault" states. This means the insurance company can choose to raise your rate even if the accident is considered the other driver's fault.

That being said, the insurance company has this "choice" meaning it does not have to increase your rates it just has that option. Other states have specific fault guidelines and the insurance premiums can only be raised if you are at fault for the accident. The problem with this formula is the insurance company then always raises your rate for an accident deemed your fault as they might lose their opportunity if the next accident is not your fault.

The no-fault situation might sound like a more risky endeavor but can work to your benefit depending on the total cost of the incident.

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