This question came from one of our readers.

Question:

My car was damaged by an unknown person so I’m claiming on my insurance. Will my rates increase? This is the 2nd. time this happened

Answer:

As a general rule, your insurance rates should not increase after a not at-fault accident.  The rates could increase however by the removal of a claims free discount or an overall rate increase.  If your agent needs to shop your rates or you shop your rates elsewhere, having two not at fault accidents will have a negative impact more than likely

Insurance companies rating and procedures vary.  The comments above are based on general observations in the insurance marketplace and can vary by company and/or territory.