In most cases, no. In fact, if you have been claim and traffic violation free for the past five years, you’ll qualify for accident forgiveness. This means that when you file a claim for this accident, it won’t trigger a rate increase.
However, if this accident is part of a pattern of claims over a short period or there were drugs or alcohol involved, there is a good chance that Liberty Mutual will consider you to be high risk and you may be dropped.