Does a No Fault Accident Go On Your Record?

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Not-at-fault accidents will show up on your driving record and could increase your insurance rate. The amount of the increase will depend on the circumstances, your existing history of claims, and your coverage.
Finding cheap car insurance after any accident can be tricky, and you may need to shop around after an accident to keep your low rate. That’s where Jerry comes in.
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What is a no fault accident?

Let’s say you’re minding your own business and following the law at a stoplight. Suddenly, someone rams into you from behind and damages your rear bumper. Sure, you were involved in an accident—but you were not at fault—because it wasn’t your fault!
You document the damage and you plan to file a claim with your insurance company to cover the repair costs. But then a friend tells you not to file and just cover it out-of-pocket because your rate might go up.
Here’s the truth: In a no-fault accident, the other driver’s policy should cover the repair costs for your car. But it’s definitely true that your own insurance premium might go up afterward. It depends on your insurer.
Some companies won’t increase your rates after a no-fault accident, but others will.
If you already have a history of claims, it’s far more likely that your accident will be seen as a pattern of risk—even if you weren’t at fault.
Key Takeaway Accidents can make your insurance premiums rise, even if you were not at fault.

When you’re not at fault, it’s not all bad

You should be able to file against the at-fault party, which means you are less likely to see an increase.
But if the other party was uninsured or didn’t have high enough coverage, you may need to file your own claim just to cover costs. In this situation, some providers won’t raise your rates since it’s a no-fault claim.

But there is some bad news about no-fault claims

The truth is that most carriers will raise your premium for filing a claim, regardless of whether you were at fault. It will probably be a smaller surcharge than an at-fault accident, but your rate will still go up.
If you have accident forgiveness on your policy, you might be able to get around an increase. But the bottom line is that insurance companies can use no-fault claims as a reason to bump up your rate.
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What to do after a no fault accident

If your insurance company raises your rate after a no-fault accident, it may be time to look for a new provider. The lowest price before an accident (even a no-fault accident) may not be the lowest price after.
You’re entitled to shop around. New surcharges won’t go into effect until your policy renewal date, so you have plenty of time to research better offers.
Use Jerry to find the lowest rates given your driving history and claims history. You’ll never have to speak to an agent or spend hours on hold—unless you really like elevator music, in which case we’ll try to arrange something!
Jerry handles phone calls, paperwork, and negotiation. It’s completely free and the average user saves $879 a year on car insurance. Ready to save some money?
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