Many different factors go into the decision to increase a customer's rates, including claims filed. In some cases, the fault of an accident is not necessarily a direct indicator of whether your premium will increase. These are some of the reasons an auto insurance company may revise your rate after a claim:
Risk Analysis: Statistically, involvement in any accident can indicate a higher future risk.
Claims Frequency: Frequent claims, regardless of fault, can raise red flags for insurers. Multiple claims in a short period can suggest a higher overall risk. Therefore, being involved in an accident might contribute to a higher perceived risk, resulting in increased rates.
Claims on Coverage: Even if you are not at fault, you may still file a claim under comprehensive or collision coverage. For example, if your car is damaged and the at-fault driver's insurance does not cover the full cost of repairs, you might turn to your policy. Such claims can impact your rates.
Administrative Costs: Handling claims, even for not-at-fault accidents, incurs administrative costs for the insurer. This can include investigation, communication, and processing expenses.