I've been rear ended. Will my insurance go up?

Question

A year and a half ago I rear-ended someone. 100% my fault.
A week later, in my new car, I got rear ended. 100% their fault.
My insurance rate went up and I don't know if it was due to just the 1st accident which was my fault, or both. Now, a year and a half later I got rear-ended again. 100% their fault. Will my insurance rates go up? Could they drop me for too many accidents even though 2/3 arn't my fault?

Answer 1

To the best of my knowledge rear end collisions are always the fault of the person in the car that hits you. It falls under the category of not being in control of your automobile.

Answer 2

Regarding dropping you for too many accidents - it depends on where you live. In some states they can, and some they can't. Your agent should be able to tell you.

If your state permits it, yes, two at fault accidents within a three year period is grounds for cancellation. The problem with "repeat" not at fault accidents from the insurance company point of view, is the more you have, the more likely it is that YOU are doing something to cause the accident. I *have* seen people cancelled in PA for 4 *incidents*.

If your insurance company DOES cancel you, you're going to end up with a high risk carrier like Progressive, because of too
many accidents, although only the "at fault" one is surchargable.

The rate increase was probably due to your at-fault accident, NOT the not at fault one.

Answer 3

A lot of it will depend on where the accident happened. If you were at a red light than it might go up a little if any. If you were on an on ramp to an express way and you stopped suddenly, than actually it should be your fault for driving recklessly.

Answer 4

Could be a combo deal, the rear end you got was not your fault,
but now it is your second incident, accident prone the insurance statistics may say, so they may want off your risk factor. It is a statistical business decision for them.

Answer 5

How lucky can you get? If this guy does indeed have a policy with State Farm there are several ways this can be handled. First -- contact State Farm and tell them the story. Then you will most likely have the option of taking your car to one of their Service First/Select Service body shops, getting a few estimates and being paid the repair amount of the lowest or one of their appraisers will come to your home or work, inspect your car and write a repair estimate on the spot. They will forward a check for the amount of repairs to you in a few days. If any damage is missed in the initial inspection they will reinspect it at the shop or, even better, if your car is at one of their direct repair shops they will handle all the paperwork for you. You need only to drop off the car and pick it up when the repairs are complete. PS -- they will also pay for a rental car (if you are over 21) while your car is in the shop.

Answer 6

You need to ask your insurance company. Most of the time a non-fault claim BY ITSELF won't affect your rates. However, sometimes frequency can, so if you've had quite a few in a short period of time it could make a difference.

Answer 7

your insurance went up due to the accident being your fault
the other 2 were not at fault, so you shouldnt be charged
but they may begin to look at you for being accident prone

Answer 8

probably will not go up for 2 and 3..the other insurance has to pay your damage, so no expense comes from your insurance company..your agent can tell you for sure. Your rates usually go up for 3 years.

Answer 9

no, your rates are not supossed to go up if the accident isn't your fault...the first time was likely due to the first accident being your fault. talk to your agent and see...if they tell you that your rates ARE going to go up even though it wasnt your fault, you need to find another insurance company!!!

Answer 10

if it is no fault insurance it will go up unless the driver was impaired or illegally driving

check to policy asap - get your documents out and read the fine print good luck