Will my insurance rates increase after a 50/50 accident?

If I was in an accident that the insurance company says was 50/50, will my rates still go up?

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Seeing an insurance premium increase is always dismaying, whether it is due to a ticket, an accident, or some other factor.
Depending on your insurance carrier, your rate may or may not increase after an accident if they offer accident forgiveness.
Often, insurance rates will increase even after a not at-fault accident, as these claims are not surcharged but are still underwritten for.
If your insurance premium has increased, you should use it as an opportunity to shop for a more competitive rate.
Jerry automatically re-shops your insurance at every renewal, so you don’t have to do anything extra if you already use Jerry for your insurance.”

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