Unfortunately, yes, the accident may affect your personal car insurance rates if you were the driver. Any time you’re in a reported accident, it will go on your driving record, whether it’s your fault or not. Insurance companies tend to think people who get into many accidents are at higher risk, even if they didn’t cause most of them. However, some insurers have an “accident forgiveness” policy, so if you have not had a lot of other accidents, this may not affect you.