[[{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question","text":"If you\u2019re in a car accident that wasn\u2019t your fault, your insurance rates might increase, which can be confusing. However, there are several reasons why your rates might go up after an accident, even if you were not at fault.  Insurance companies consider various factors when setting and increasing rates. One significant factor is the likelihood of a policyholder being involved in a collision. To the insurance company, even an accident that was not your fault could indicate a higher probability of future accidents.","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question1","text":"Indiana is not a no-fault state for auto insurance. This means an accident victim will file a claim against the at-fault driver\u2019s insurance policy to seek compensation for medical bills and lost wages. In other words, the negligent party in a car crash is liable for injuries and other damage resulting from the collision.","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer1"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question2","text":"Some insurance companies offer accident forgiveness, which means a policyholder\u2019s rates will not increase if they are involved in an accident. However, not all companies provide this coverage, and it may cost extra. You should review your policy after a collision to determine what is covered.","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer2"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question3","text":"Insurance companies can cancel a customer\u2019s policy or refuse to renew a policy based on various factors. You should avoid filing multiple claims per year, even if you are not at fault for the accidents giving rise to the claims. If you have any questions about your coverage, speak to a car accident lawyer.","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer3"},{"@context":"http:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Why Would My Insurance Rates Go Up After an Accident That Is Not My Fault?","acceptedAnswer":{"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer"},"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Question"},{"@type":"Question","name":"Is Indiana a No-Fault State?","acceptedAnswer":{"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer1"},"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Question1"},{"@type":"Question","name":"Do Some Insurance Companies Offer Accident Forgiveness on Their Policies?","acceptedAnswer":{"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Answer2"},"@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Question2"}],"name":"Will My Insurance Be Affected After a Car Accident If It\u2019s Not My Fault?","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#FAQPage"},{"@context":"http:\/\/schema.org","@type":"Answer","name":"Answer Question3","text":"Insurance companies can cancel a customer\u2019s policy or refuse to renew a policy based on various factors. You should avoid filing multiple claims per year, even if you are not at fault for the accidents giving rise to the claims. If you have any questions about your coverage, speak to a car accident lawyer.","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#ItemList"},{"@context":"http:\/\/schema.org","@type":"Question","name":"Can My Insurance Company Drop Me for Multiple Claims?","@id":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#Question3"}],{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.truittlawoffices.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Will My Insurance Be Affected After a Car Accident If It\u2019s Not My Fault?","item":"https:\/\/www.truittlawoffices.com\/blog\/will-my-insurance-be-affected-after-accident-not-my-fault\/#breadcrumbitem"}]}]