If your insurance rates will go up and if so by how much will depend upon the rating system that your insurance carrier has in place. These rates are filed with your state's insurance regulator and regulated by your state's insurance laws.

Since insurance laws vary by state and insurance rating systems differ from one insurance company to the next you will need to ask your insurance agent how specifically your rates will be affected due to the claim being paid for your totaled out vehicle.

In general though insurance companies can raise your rates due to an at fault accident or after an evaluation of your claims history but cannot go up just to cover the cost of totaling out your vehicle. The amount of your claim may be taken into account but your rates should not go up by that same amount just to cover those expenses.

If your rates are raised due to this at-fault accident and claim you might want to shop around with other insurance companies. You can get car insurance comparison quotes here with us.