Had a car accident, will my insurance increase

Quentin

Don't need to agree with you.

Just got involved here to point out that your original post that having no fault incidents won't affect future premiums is not guaranteed, and depends on individual circumstances and companies.

It was you that took it ot to discuss scams etc.

lisyloo

So because some !!!!!! hits you your more at risk ?

Most accidents can be avoided by ANY party.

I actively avioid rear enders on my bike by
1) being in neutral so if I am hit the bike doesn't shoot off.
2) Leaving a gap so I have somewhere to go
3) Rear observation so I might be able to anticipate it

If you have an accident and certainly if you have many then you are a higher risk because
1) You might tend to drive amongst people, places and times where accidents are more likely.
2) You aren't skilled at avoiding them (see example above).
3) You tend to put in insurance claims.

As a motorcyclist I go for the avoidance because I don't have a lot of metal to protect me. Car drivers have less direct motivation, but yes having accidents (even if not liable) is a sign that you are more likely to claim in future.

A rear ender is not an easy one to avoid, but the person whose had 4 accidents should consider taking some anticipation and avoidance training even their own driving is perfect.