It depends. Generally speaking, if an accident was not your fault, your rates should not increase if you make a claim. On the other hand, if you are at fault for a collision, most insurance companies will raise your rates, even if you do not make a claim. In Washington State, if your rates increase for any reason, you are entitled to a written explanation from your insurance company. If you are paying premiums for UIM and/or PIP coverage, you are entitled to use it and, in most instances, you should. If you are concerned about this, the Bicycle Lawyers at Washington Bike Law are happy to discuss your options.