What Happens to My Car Insurance Rates if I Get into an Accident, But It’s Not My Fault?

So you’ve gotten in a car accident, but it wasn’t your fault in any way, shape, or form. Maybe you got rear ended by another driver. Maybe the other driver ran a stop sign and you crashed into them. Whatever the case may be, the question on your mind is probably whether or not your car insurance rates will go up, even though the accident wasn’t your fault.

Well, depending on your car insurance company, the answer may be very different. Of course, accidents that ARE your fault have a direct effect on your car insurance rate. Depending on the circumstances and your insurance company, however, your car insurance rates may increase even if the accident isn’t your fault.


At SafeAuto, we pride ourselves in helping our customers through these difficult experiences. Even if you’re involved in an accident that’s not your fault, you can still call our claims customer service to assist you in making the decision on filing on your own car insurance policy, or the other drivers. If the accident clearly isn’t your fault and you have a Smartphone with a camera, take photos at the scene of the accident just in case it comes down to your word versus the other driver. This could also help when police arrive on the scene.

If involved in an accident, you can always contact us to assist you during a stressful time. We’re on your side and we’re here to help you with any car insurance claims questions you may have.

To learn more about SafeAuto and receive a free car insurance quote , visit our website today!

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