Do all accidents raise your insurance with State Farm?

Answer 1

No, all accidents do not raise your insurance with State Farm.

If the accident is determined by State Farm to not your fault, your premium will not be effected at all.

If it is found by State Farm to be your fault, a few different things can happen. if the accident damage total to your vehicle and any other property is under $750.00, the accident is usually not chargable. If the damage is over $750, you can be given a forgiven accident or be surcharged.

Whether or not there is an increase depends on the type of policy you have (ie: mutual, or standard), your past claim history, and the amount of the loss

Example: If you caused $400 worth of damage to another vechicle and $800 to yours, with a $500 deductible, State Farm would have paid out only $700 making this incident not surchargable.

Also, you might have the 10 year accident free discount with no forgiven accidents that means if you go 10 years no accidents you can have one and its forgiven , but not 2 and it can depend on cost of claim, small claims and compreshensive claims count less $750.