Can insurance rates go up if a person is in an accident but its not their fault?
A friend of mines boyfriend was driving my friends fathers car and ended up getting in a wreck. He wasn’t at fault i guess, but both cars in the accident were totaled. I don’t think he was on the insurance, and I know he doesn’t own a car so he doesn’t have insurance that way either. She says that since he was not at fault it doesn’t affect his insurance rates from going up when he gets a car of his own. Is this true?
Assuming her boyfriend is not at fault, they cannot rate the accident against him, but if your friend’s dad is receiving any discounts for being free of accident, that discount could go away, thus bringing his rates up. This varies from company to company. If your friend’s dad has no discount for being free of accidents, it’s unlikely that he will see an increase unless something else changes. Changes occur frequently, including across-the-board rate increases for an entire state.
no, if its not your fault then the rates do not go up. but the accident will show on your record. and it will say "not at fault"
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First you need to post the details of the accident to get some answers on whether your friend was at fault or not. Second, you need to see if the owner of the car has "permissive use" on his car insurance. If he has "permissive use" the accident should be covered if he has collision coverage or if the accident was not his fault.
Tell the owner of the car to put in the claim. The claims department will explain everything.
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"Permissive Use" are the key words. Tell them to check their insurance policy or call their agent and ask.
The answer "no" is completely wrong. An insurance company can raise your rate whenever they like, whether the accident is your fault or not. It all depends on the insurance company and their policies.
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Was in an accident where I was not at fault, rates went up.
Assuming her boyfriend is not at fault, they cannot rate the accident against him, but if your friend’s dad is receiving any discounts for being free of accident, that discount could go away, thus bringing his rates up. This varies from company to company. If your friend’s dad has no discount for being free of accidents, it’s unlikely that he will see an increase unless something else changes. Changes occur frequently, including across-the-board rate increases for an entire state.
References :
Claims adjuster