Do car insurance rates go up after a car accident?

Yes, your car insurance rates may go up after an accident. How much your rates increase - if at all - will depend on the type of claim filed and whether or not you live in a tort state. Tort states have at-fault insurance laws, which means the driver responsible for the accident will pay for the damages. If you’re found not-at-fault, it’s unlikely your auto insurance rates will go up after an accident.

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UPDATED: Apr 15, 2022

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