That depends on the insurance company. some like state farm have accident forgiveness, some increase your rates every time you make them pick up the phone, your fault or not. You get what you pay for with low end companies like not so wide, no reassurance and unsafe auto. (names changed to protect me from lawyers)
Any accident can cause your insurance to go up even if it wasn't your fault.
If the accident goes on your driving record, yes.
No, these company are working for profit only ,if the bring a rule in small minor injures in matter ,then it will make the company in loss.
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
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 were involved in an accident that was your fault, regardless of the terms of your insurance, your premiums will go up. You insurance agent can give you more details.
This depaends on the fault of the accident. There is no way to tell the answere to this question as there are many factors involving this. Is this the 1st accident, state, insurance company.....
Only if there were another vehicle involved. If for instance you back into a tree you wouldn't want to make a claim, unless the damage exceeded the deductible. Perhaps not even then.
Yes,, You may be subject to arrest if you are operating an uninsured vehicle while involved in a traffic accident. This is often at the discretion of the responding officer.
In what locality?
Yes, both drivers will see an increase in premiums.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.