Typically if you are not at fault in an accident you contact the at-fault party's insurance company in order to make a claim against their property damage liability coverage for the damages your vehicle received.

If instead you choose to make a claim through your own collision policy in hopes that your insurance company will pursue payment from the at-fault party through subrogation, there is a chance that your insurance premium could be affected.

It will depend upon your insurance company's rating system as well as state insurance laws. In general if this is a minor accident and you are not at fault your premiums are not raised. But some insurance companies may raise rates due to an accident on your record and a claim being placed. This will likely occur if you have a poor driving record and have an extensive claims history already.

To find out what exactly your insurance company's position is on this and what their rating system dictates, contact your insurance agent.

If your insurance premiums are affected by this accident and claim then shop around for better insurance rates. You can get quotes from an auto insurance specialist here with us.