Possibly. Insurance companies determine your rate by looking at characteristics that predict future loss. Think about this in terms of receiving a traffic ticket. If you get a speeding ticket, it doesn't cost the insurance company anything, but you can expect your rate to increase. The logic here is that behavior A has a correlation to the future probability of causing the insurance company to pay a claim. Studies have shown that people involved in not at-fault accidents tend to cause future at-fault accidents at a rate higher than those drivers that have not been involved in any accidents.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Not if it is deemed to be 100% the other drivers fault and they have insurance.
It is really based on whether the accident was at fault or not at fault. If it was not at fault, it usually will not increase.
Any accident can cause your insurance to go up even if it wasn't your fault.
It can up your insurance if you are in the fault. If not it shouldn't cause your insurance to go up.
If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
The accident will show but it will be marked as a not at fault accident and should not increase your insurance rates.
Your friend is. If she is over 25 she is normally covered. Because you claim on youe insurance, technically it will be an at fault accident and your premium may go up. You should talk to your insurer.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.