Does Car Insurance Always Go Up After An Accident? 
That depends on the terms and conditions of your auto policy . Some companies include an accident foregiveness provision automatically for long term policy holders who have been otherwise claims free . Other companies offer similar foregiveness provisions as amendments that you can purchase . Your insurance will also generally not go up if you are the victim of someone else 's negligence - a hit and run for example . Finally , if you hit a deer or some other animal and file a claim , generally your insurance company is not going to increase your premium as a result . 