But the other guy was at fault!

Most consumers understand that if they are at-fault in a car accident that will most likely see an increase in their car insurance premiums regardless of what number accident it was and regardless of their tenure with a specific company. When it comes to not at-fault accidents the effect on the insurance can vary depending on the state you live in. Many states have laws that protect the driver from a rate increase if it is a not at-fault accident. Even so, there can be a rate increase because now you will be in the tier that is more "prone" to accidents. 

Even if your rates do not increase with your current company, you can still see the effect of not at-fault accidents when shopping your insurance with other companies. As I stated earlier once you are in an accident, not matter  how big or small, you are now put into a tier with other drivers that are more "prone" to be in an accident. Therefore, even if your current company doesn't surcharge you, the company you are shopping with will rate you at a higher premium.

This is why I tell  my customers, before making a claim make sure it really is worth it. If someone dings your car don't just run after their insurance. Yes, you may make money now but that will go on your record and will stick with you for at least 3 years.