We commonly get questions about insurance premiums after auto accidents. One very common one comes from those who were in a car accident that was not their fault. They are concerned about whether their car insurance premiums with rise. More than likely, the answer will be yes, unless they have their coverage through a company that has accident forgiveness.
Insurance companies base your premiums on your risk. If they discover that you are driving in higher-traffic areas during busy times of the day, they will consider you riskier. This is true even if you were not at-fault for the accident.
With your no-fault insurance, it is actually a violation of the Fair Claims Act for them to increase your insurance premiums if you were not majority at fault for the accident. That is also true if you are using the insurance of a family member who was not involved in the car accident. They cannot have their premiums go up either just for using the no-fault benefits.
