Will my premium go up?

In most states no — not-at-fault claims don't raise your premium. Some carriers still surcharge; check your state DOI rules.

Hit by another driver?

Not-At-Fault Car Accident (US) — Who Pays?

In fault states, the other driver's insurer pays. In no-fault states (12), you claim against your own PIP first.

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The short answer

In 38 US 'at-fault' states, you can claim from the at-fault driver's liability insurer. In 12 no-fault states (FL, MI, NY, NJ, etc.), you first claim medical and lost wages under your own Personal Injury Protection (PIP), then sue only if injuries exceed the threshold.

Frequently asked

Will my premium go up?: In most states no — not-at-fault claims don't raise your premium. Some carriers still surcharge; check your state DOI rules.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription