Will my insurance go up if I'm not at-fault with Progressive?
Asked by: Mr. Al Gleason | Last update: November 30, 2025Score: 4.7/5 (16 votes)
Does your insurance go up after a claim that is not your fault progressive?
It may seem unfair, but accidents that aren't your fault may still increase your rate depending on your state and insurer. Not-at-fault accidents can indicate a higher likelihood of future accidents.
Do insurance rates go up after a no-fault accident?
Yes, insurance rates may go up even if the accident is not your fault, depending on the circumstances of the accident, the types of coverage you have, and your claims history. However, the increase may not be as significant as it would for an at-fault accident.
Should I call my insurance if it wasn't my fault progressive?
Start the claims process
Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.
Why does my insurance go up when it's not my fault?
Insurance premiums are based on risk. They deem the fact that you've been involved in an accident (albeit not your fault) as an increase in risk - if it has happened once it can happen again.
Will My Insurance Premiums Go Up if I'm Not At Fault for the Accident?
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.
How long does a not-at-fault accident stay on your insurance?
The DMV will hold onto the record of the incident for around 3 years, depending on the severity of the accident. While you can try to get the accident removed from your record early, it can be a difficult process, and it is ultimately up to the DMV.
Do I pay deductible if not at fault progressive?
If a driver hits you, your collision coverage will still cover the damage to your vehicle, but you won't have to pay your deductible. In some states, the driver must also be uninsured for a CDW to apply.
Should I let my insurance know if it wasn't my fault?
Yes, it is generally advisable to notify your insurance company even if the accident wasn't your fault. Most insurance policies require policyholders to promptly report any accidents or incidents, regardless of fault.
Does Progressive raise rates after the first accident?
Available as part of our Loyalty Rewards program, with Small Accident Forgiveness, your insurance rate stays the same for your first claim that's less than or equal to $500.
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 get hit by an uninsured driver?
However, under California's proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim.
What happens if someone who isn't on your insurance crashes your car Progressive?
Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.
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.
Who normally has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
Why did my car insurance go up without an accident?
From California to New York, all states have varying car insurance rates because insurance companies look at geographic factors such as crime rate, number of auto accidents, and weather conditions to determine your premium. Miles You Drive: The more you drive, the more likely you will get into an accident.
How does insurance work if it's not your fault?
Who pays in a no-fault accident? If there's an accident between two drivers, each party's PIP coverage typically pays for their respective medical bills and/or wage loss up to their policies' limits, no matter who caused the accident.
Do I lose no claims if it wasn't my fault?
Does a non-fault claim affect my no-claims bonus? It might sound unfair, but you can lose your no-claims bonus for an incident even if it wasn't your fault (unless you've got a protected no-claims bonus). After all, it's a “no-claims bonus”, not a “no-blame bonus” – and a claim is a claim, regardless of who's at fault.
Does your insurance go up if you're not in the wrong?
Most people understand that if they were at-fault in a car crash then they will likely see an increase in their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance.
Does a no-fault accident affect insurance?
In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim.
Is Progressive good about paying claims?
Progressive has an A+ (Superior) financial stability rating from the credit rating agency AM Best, meaning it is likely to honor its ongoing obligations to policyholders, such as paying claims.
Is it better to have a $500 deductible or $1000?
Remember that filing small claims may affect how much you have to pay for insurance later. Switching from a $500 deductible to a $1,000 deductible can save as much as 20 percent on the cost of your insurance premium payments.
What happens after a no fault accident?
If you had no fault at all in the car accident, the other driver's insurance company should be liable for your damages. You should be compensated for all of the costs of the accident. But the situation is rarely that cut and dry. Insurance companies are for-profit businesses looking to reduce their bottom line.
How to remove a non-fault accident on driving record?
Unfortunately, there is nothing else that can be done. You will just have to wait until the claims fall off of your record. Check out our guide to filing claims to learn more about what to expect from the filing process.
Can insurance drop you for not at fault accident?
Multiple accidents within a three-year window
Insurers generally pay more attention to accidents where you're at fault versus those where someone else is at fault. However, being involved in too many collisions (even ones where you weren't at fault) can be a red flag to insurers.