This question came from one of our readers.
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
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.