Why did my car insurance rates for my 2017 Accord go up if the accident wasn't my fault?

I was in an accident where the other driver was at fault, but my monthly premium still went up. What gives?

“Even though you weren’t legally at fault for the accident, your car insurance company still views you as a risk to insure. They might think you could have avoided the accident or minimized the damage by taking a defensive driving course.
Your driving history might also indicate that you’re now a riskier driver than you were in the past, especially if this wasn’t your first accident. If you get into accidents often, your premium will continue go up, even if you weren’t at fault.
If you’re unhappy with your current rate, you can shop around with other companies to find a more affordable policy. Jerry can provide you with competitive car insurance quotes in under a minute!”
Emily Richey
Answered on May 31, 2021

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