This can depend on several factors. Statistically speaking, if you file one car claim (whether at-fault or not-at-fault), you’re more likely to file more claims in the future. Insurance companies factor in those projected losses when they determine how much premium to charge you. While it may be frustrating to see a premium increase in a situation like this, insurers need to align rates to the individual risk associated with each policy. The statistical evidence demonstrating higher future insurance costs, even when an individual was not at fault, is significant and should be reflected in premiums.
Additionally, in a majority of states, accident claims are filed against the driver who is at fault. But in some cases, you may be involved in a hit-and-run scenario where the at-fault driver is nowhere to be found. Or, you could be involved in an accident with a driver who has no insurance at all. In these cases, your insurance company will have to foot the bill for the damage, although the other driver was the one at-fault. These situations increase the cost of doing business for insurance companies, and, as a result, cause premiums to rise.
