Your insurance rate will not automatically increase just because you are in an auto accident. Whether your premium increases as a result of a car accident will depend on who is determined to be at-fault. If you are determined to be totally at-fault or even partially at-fault, your premium will probably, but not always, increase. If you did not contribute to the accident by your own negligence or actions, then your insurance rates will not increase. The insurance company providing coverage will determine whether you were at-fault.