Will my insurance rates go up after my accident?

Clients often ask us this question. The answer is NO, if you are not at fault for the accident.

Virginia Code Section 38.2-1905 prohibits an insurance company from increasing your premium or charging you with points under a safe driver insurance plan as a result of a motor vehicle accident unless the accident was either wholly or partially your fault. It’s important for policy holders to know, however, that if someone driving your car was at fault for the accident, then your premiums may increase even though you were not the
driver and had no fault for the accident.

In Virginia, the driver found to be at fault for an accident is responsible for paying for any damages that arise from their conduct. If they have insurance, their insurance company will
be responsible for paying for the damages up to the policy limits.

If you’ve been injured in a car accident, the personal injury attorneys at Merrick Brock, PLLC can help. Visit our website,, or call us today.

Read more on drivers’ insurance through the link below.

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