It will depend upon your car insurance company's rating system if your collision claim for a dent received in a parking lot accident will cause your premiums to go up or not. Insurance guidelines as well as state laws differ so you will need to contact your insurance agent and get information on your specific insurance carrier's rating system to see if your rates would rise due to this claim due to a not at fault accident while your car was parked.

When you purchase insurance or renew your policy, your insurance company will evaluate your claims history and based upon their rates and rules they will apply any surcharges to your policy.

If your rates do rise you may want to shop around to see if you can obtain cheaper insurance premiums elsewhere. You can start here by comparison shopping for car insurance rates with us.