In almost every state, a non-fault claim is filed against the auto insurance policy of the driver who is at fault. If your insurer doesn't need to fork out money, your premiums won't go up. This is because the at-fault party's insurance provider will be responsible for your medical expenses and vehicle repairs. Generally, a no-fault accident won't cause your car insurance rates to rise. Will a No-Fault Accident Increase Your Car Insurance Costs? According to The Balance, your premiums can increase depending on the circumstances of the accident, the types of coverage you have, and your claims history. However, even if you aren't at fault, you may still face higher rates. If you cause an accident, you can expect your auto insurance costs to go up. Currently, there are 12 no-fault states, including Florida, Massachusetts, New York, New Jersey, Pennsylvania, Kentucky, Kansas, Michigan, Minnesota, North Dakota, Utah, and Hawaii. It's important to know how your state determines fault in a car accident because it can affect the type of auto insurance you need to carry and the outcome of a claim in the event of an accident. Some states are at-fault states, while others are no-fault states. Auto insurance providers have specific fault assessment methods to determine which driver was at fault and which insurance company is responsible for compensation, says Coverage.Īlso, each state has its own fault assessment rules. A no-fault accident means you weren't the party who caused the collision, while an at-fault accident means you're responsible for the crash. When it comes to auto insurance, there are two kinds of accidents: at-fault and no-fault accidents. So, do your insurance rates go up after a no-fault accident? Let's find out. A previous accident can have an impact on your auto insurance premiums, depending on whether or not you're the responsible party.
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