Whether your insurance rates will rise depends on several factors. Typically, insurance rates can increase if you’re found at fault in an accident. However, if the police report does not clearly assign fault, the insurance companies involved will conduct their own investigations to decide responsibility. Even without a fault determination, the mere fact that a claim is filed can impact your premiums because insurers may perceive you as a higher risk.
If neither driver is found at fault, some policies have an “accident forgiveness” feature that prevents rate increases for the first accident. However, if fault is shared or remains unclear, both parties could potentially see an increase in premiums until a clear determination is made.
It’s also important to review your particular insurance policy and speak directly with your insurer to understand your coverage and how a no-fault situation might affect your rates. Lastly, insurance regulations differ by state, so local laws may also influence whether and how your premiums are adjusted.
