will your insurance go up if someone hits you
Whether your insurance goes up after someone hits you depends on your location, your insurer, and the situation of the accident. In most cases, if you’re not at fault, your insurance usually shouldn’t increase — but there are exceptions.
When Insurance Might NOT Go Up:
- You’re clearly not at fault: If the other driver is responsible and their insurer pays, your premium generally stays the same.
- You have accident forgiveness: Some insurers offer protection that prevents price increases after your first claim.
- The claim is paid by the other driver’s insurer: If your company doesn’t pay, your policy is usually unaffected.
When Insurance MAY Increase:
- Your insurer still pays the claim: For example, if the other driver is uninsured or can’t be identified.
- Frequent claims history: Even if you’re not at fault, several claims can still affect your risk rating.
- No-claim bonus impact: In some regions and insurers, your discount may still be reduced.
Insurance rules vary by provider, so it’s always best to check your policy terms. Many companies review your full driving history and risk profile, not just a single incident.
Tip: Always collect evidence after an accident — photos, police report, and witness details — to clearly prove you weren’t at fault.