For the at-fault driver, auto insurance rates will likely go up. But for the victim, it is unlikely that your car insurance rates will increase. Auto insurance policies can be tricky to navigate, much less filing a claim, understanding the other party’s policy limits (and your own policy limits), or filing a lawsuit. We don’t recommend doing any of the above while also recovering from a car accident! You’ll want to get your life back to normal and fully heal from your injuries. Leave the difficult auto insurance stuff to the experts.