At times, you may need to file an auto insurance claim even if you weren't at fault. If something happens outside of your control, such as vandalism or storm damage, you'll file a comprehensive claim. If another driver hits you, you may still need to file a claim with your insurance company. In both situations, you may not see any increase in your policy’s rate following the first claim. However, depending on your insurer, state, and policy terms, your rate may go up following a not-at-fault claim, but this amount may not be as much compared to if you were at fault.