When someone hits your car does your insurance go up?
Asked by: Dr. Ali Moen | Last update: November 20, 2025Score: 4.6/5 (16 votes)
Will my insurance increase if I hit a car?
If you cause a car accident, your insurance rates will go up by an average of $87 per month for full coverage. Where you live has a big impact on how much you'll pay for insurance after a car accident. California has the largest rate increase. An accident in California nearly doubles full coverage insurance rates.
Does your home insurance go up after a claim that is not your fault?
Yes. Fault makes no difference. A claim will impact your rate.
Does your insurance go up if it's not your fault?
Auto insurance rates generally do not rise after a no-fault accident, where you experience damages or injuries due to another driver's actions. However, insurance is rarely straightforward. State laws and insurer policies can sometimes result in rate changes, even in no-fault situations, such as at fault accidents.
Will my insurance go high if someone hits me?
Yes your insurance will likely go up, because who at fault is irrelevant. It's about frequency. If you have claim events and cost the insurance company money to insure and protect you, regardless of whether you are a cause or a victim, you should expect your auto insurance to increase.
Does Your Car Insurance Go Up If Someone Hits You? | The Barnes Firm
How does car insurance work if someone hits you?
Collision coverage typically helps pay to repair or replace your vehicle if it's hit by another vehicle (or if you hit another vehicle or object), regardless of who is at fault. Even if you cannot find the other driver, you may be able to file a claim under your own auto insurance policy's collision coverage.
Will my insurance go up if someone hits me without insurance?
But, as a California personal injury attorney I can assure you that your insurance company should not raise your rates for making an Uninsured or Underinsured Motorist claim on your policy. In fact, in most cases, doing so may violate long-standing California legal statutes.
Should I file a claim if I'm not-at-fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Will my insurance go up if I don't make a claim?
Will my car insurance go up after an accident? Unfortunately, the simple answer to this is yes. Whether the accident was your fault or not, making a claim will usually lead to an increase in your car insurance premium the next year and you could see an increase even if you don't make a claim.
Will my insurance go up if it was someone else's fault?
After a no-fault accident or a not-at-fault accident, your insurance premium can increase. The rate increase may depend on your insurer's policies and your claims history. Some insurance providers offer accident forgiveness programs that can prevent your premium from increasing after a not-at-fault accident.
Does your insurance go up everytime you make a claim?
The greater the number of claims filed, the greater the likelihood of a rate hike. File too many claims—especially in a very short amount of time—and the insurance company may not renew your policy. If the claim is based on the damage you caused, your rates will almost surely rise.
What is the 80% rule in insurance?
The 80% rule means that an insurance company will pay the replacement cost of damage to a home as long as the owner has purchased coverage equal to at least 80% of the home's total replacement value.
Is it better to not file an insurance claim?
Always file a claim if there's serious property damage or potential injuries. Even if the other driver is honest and the accident was only a fender bender, the damage might be more serious than it appears. Additionally, a car might have hidden damage that won't be found until it's been looked at by a mechanic.
Will my insurance go up if someone scratched my car?
If the damage is deemed your fault, a scratch or dent claim will affect your rate, but if it is not a chargeable claim or the other driver is at fault, your insurance rates should remain the same.
How long does a car accident stay on your record?
In California, accidents typically stay on your driving record for a period of three years from the date of the accident. During this time, the accident will be considered a public record and, therefore, accessible by insurance companies, potential employers, and law enforcement agencies.
Why did my insurance go up after I got hit?
Insurers factor in comprehensive claims because they can indicate higher risk for filing more claims. For example: If you hit a deer once, insurers may view you as more likely to make another claim in the future. Remember, all insurance companies price differently after an accident.
Will insurance pay out if it was my fault?
Who pays for an at-fault accident? If the situation is clear-cut, or one party admits that they caused the accident, the at-fault driver's auto insurance should pay for any property damage and medical bills, and in some cases compensation for other damages, such as pain and suffering.
Will my insurance go up if my claim is denied?
Will my insurance rates go up if my claim is denied? Since insurers base premiums on how likely policyholders are to file a claim, a claim that's denied can cause your rates to go up — though not as much as if the claim was approved.
Should I report bumper damage to insurance?
Should I file an insurance claim for bumper damage? While it's usually recommended to inform your insurance company about any damage to your car, you may choose not to file an insurance claim for bumper damage if you'd prefer to pay for repairs out of pocket.
Do I call my insurance if I'm not at fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involves injuries or property damage. It is a common myth that you needn't contact your insurance company if you aren't at fault.
Is it better to use your insurance or theirs?
After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver's insurance company represents them.
Who gets the insurance check when a car is totaled?
If you own the car without any loans or liens, you will receive a check for the value assessed by the insurance company. If there is a loan, the check usually goes first to the leasing company or the lender. If you owe money on the vehicle, you should notify the lending company that your car has been totaled.
How does insurance work when you hit someone?
Auto liability coverage is required in nearly every state. If you're found at fault in an auto accident, liability coverage can pay for damage to other vehicles, damage to objects, bodily injuries to other drivers and their passengers, and lawsuits if you're sued due to an accident.
Will my insurance go up if someone hits me Progressive?
You may ask, will my insurance go up if I file a claim for an accident that isn't my fault? In some cases, yes — even accidents you didn't cause can increase your rate in states that allow it, as insurers have data showing that some drivers have a propensity for not-at-fault accidents.
What happens if no one is at fault in an accident?
But what will happen if no one is at fault for your car accident? You can always file a no-fault car insurance claim. The insurance provider will compensate the policyholder and its passengers for the cost of minor injuries and loss of income regardless of who caused the accident.