I was involved in a car accident in Kent County a long time ago. I was hit from behind going up one of those many side roads leading out to no mans land. From what I can remember I don’t think my insurance premium went up because the accident wasn’t my fault.

I was also involved in an automobile accident about a year ago. I was coming off the 695 corridor leading to 95 and I nailed the car in front of me. She suddenly stopped and didn’t merge the way she should have and I rear-ended her in the back. When I went to court for my moving violation she showed up late after the case was dismissed so I didn’t receive any points.

About 2 weeks ago I had someone call me on my cell phone and asked me where I lived. I had no idea who it was so I gave them nothing. Finally he told me that he needed to serve me papers for a personal injury case regarding a car accident. I thought it was over but apparently not. I gave him a wrong address called my insurance company and told them about it. They wouldn’t tell me one way or another whether to get served or not. The only thing they told me was they have insurance attorneys that will handle the claim and go to court on my behalf. I ended up not answering his calls and have yet to be served. In the meantime I received my monthly insurance premium and I noticed it went up a little but not much.

So in short to answer your question regarding whether or not your insurance premium will go up after an accident even if its not your fault the answer is probably so. After all, it still isn’t my fault until the courts deem its my fault.

One last thing, did their insurance company try settling out of court? Have you already signed with a personal injury lawyer / car accident lawyer?

Sometimes if there is overwhelming evidence that the driver of the other automobile is guilty the insurance company will settle out of court. Don’t take their first offer though.

Don’t they have insurance lawyers for these types of things?