According to the South Carolina Department of Insurance guide to auto insurance, violations and accidents may cause your premiums to be higher.

The DOI document goes on to say that insurance is based in part upon risk. How much more a driver has to pay for auto insurance depends upon that individuals driving record and the insurance plan without any traffic violations as offered by the insurance company.

So if this accident was placed on your driving record, even though you were not at fault, then your insurance company may use it as part of their rating process for you. We would recommend that you speak with your insurance agent about your insurance carrier's rating system and if this not at fault accident will raise or affect your rates in any way.

If your rates do rise then click here for an affordable auto insurance quote.