When you get into an accident due to someone else’s negligence, you may worry that it will increase your overall insurance costs. In most cases, insurance will not go up for an accident for which you do not bear fault. Sometimes, however, if you have to use your insurance coverage to help cover some of the damages from the accident, you may note that your rates do go up. Talk to your insurance company about its specific policies and what you can expect after an accident so that you can budget and plan accordingly. A lawyer can evaluate your policy and give you a better idea of whether your policy should go up due to an accident that you did not cause.