Does Car Accident Insurance Rates Go Up If I Was Not At Fault


Auto insurance prices have been rising last few years. There are several reasons for this. For example, driver distraction from technology has resulted in more crashes. Also, more frequent extreme weather events has resulted in more car damage. Therefore, we all have incentive not to do anything that raises our auto insurance rates further.

A dark red background with a pattern of flowers.
Car Accident Insurance Rates Lawyers MN

One concern is making a claim. Will your rates go up if you make a car accident injury claim? Minnesota is a No-Fault state. This means that if you were in an accident, your insurance pays your medical bills even if the other vehicle was at fault. In other words, you must make a claim on your insurance for medical bills even if the crash was not your fault. So, can they raise your rates for that? Fortunately, MN law prevents auto insurers from increasing your rate after an injury claim unless the crash was your fault.

Our car accident lawyers deal with this issue frequently. In particular, when another family member is injured and has to make a claim against the owner’s insurance, even though the owner had nothing to do with the accident. Ultimately, you have no choice but to make a claim on your policy, and you must understand the law does not allow a premium increase for that.


The legal and insurance issues after a car accident are complicated. Our attorneys have 25 years’ experience handing hundreds of cases throughout MN. If you or a family member have been injured in a car accident, call us. You will speak directly with an experienced car accident lawyer. We will answer your questions and protect your rights.

At a minimum you are entitled to have your medical bills paid and lost wages reimbursed. However, many cases allow additional compensation for future needs, pain and suffering, and more. Our car accident lawyers make sure you get all the compensation you are entitled to.