A personal injury claim made against your policy is likely to affect your car insurance but it depends on whether or not you were at fault. A claim can raise your premium, but it all depends on what happened and what is covered by the other at-fault party’s insurance. If you are completely not at fault for the accident, you can expect your insurance to remain the same. If another party files a personal injury claim against you, it may raise your insurance rate because you are now viewed as a greater risk to the insurance company.