Your insurance rate will likely be affected if you are found to be at fault in a motorcycle accident. Insurance companies use a variety of factors to determine your premium, and an accident on your record can be a significant factor in determining your rate. They will also take into account the severity of the accident and the extent of the damages. The impact on your insurance rate will vary depending on your insurance company and the state where you live. For example, some states have laws limiting insurance companies' ability to raise rates after an accident, but in others, the insurance company has more freedom to raise rates. You should contact your insurance company and ask how the accident will affect your rate. Also, shopping around and comparing rates from different insurance companies is important to find the best coverage at the most reasonable cost. Having an experienced personal injury attorney can help you negotiate with the insurance company for a more favorable settlement, which can help mitigate the accident's impact on your insurance rate.