Why am I being charged more for auto insurance after a not-at-fault accident?

Last year, my car got rear-ended and the other driver paid for the damage through their insurance. When my policy was renewed, my rate had shot up. My agent said this was due to the not-at-fault accident from last year. Why am I being penalized when the accident was the other driver's fault?

Answer provided by
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Carol Chung
Answered on Apr 19, 2021
“Unfortunately, not-at-fault accidents can impact the premiums you pay for car insurance. Why? The answer comes down to risk.
If you have more accidents on your record, you’re perceived to be riskier to insure because there’s a greater likelihood you’ll get into another crash. This applies regardless of fault.
If you’re unhappy with your current premium, you can shop around to find a better rate. The free Jerry app can collect quotes for you from up to 45 top insurance companies in seconds!”
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