This depends on if you can recover all the damages from third parties or their insurers. Otherwise, you will have to make a claim on your own collision coverage and get your insurer involved. They may be able to get all their costs reimbursed after paying your claim. This positively affects your renewal premium. Regardless there is high chance every incident you are involved will affect your rates a little.
Accidents and incidents that end up with moving violation tickets will be detrimental for your insurance costs. You may have an accident with damages to cars and may be injuries to people. Also, you may have an incident in which you are involved in. There may not be damage but police may involve and prepare a report and it may follow up with a citation. This will affect your rates as well.
Options and Possibilities Following an Accident You Are Not at Fault
After an accident caused by third parties the first option would be to make a claim on the responsible parties insurance. You may not even need to bother your insurer if they accept the responsibility and happy to pay for the damages through their insurer or privately. Even they find out about the incident your auto insurer would be embarrassed to increase your rates since they never involved. This is a less complicated case in which other parties accept 100% liability.
However these things are not usually straight forward. Other drivers may accept partial responsibility but blame you as well. In such cases, you may need to get your insurer involved and both companies will agree on a settlement. It is possible to allocate the blame proportionately. While the other parties are 80% responsible you may still be found 20% responsible and the damages can be settled according to these proportions.
What Happens When At-fault Parties Don’t Co-operate?
Other people may decide to bury their heads in the sand and ignore all your attempts to contact them. Some people like to play hard balls and your insurer will certainly do that if you have relevant coverage. Collision coverage you have taken with from your insurer would normally allow you to make a claim on your policy.
Many people would want their damages repaired quickly and get back to normalcy as soon as possible. Others falsely may be hoping that you will get tired and get lost. However, your insurer would not give up on recovering the damages even after they paid you. They would chase the third parties at fault of their insurer and try to recover the damages on your behalf.
You would need to pay the deductible on your policy once the repairs are done to your vehicle. Should your insurer recover all the claim costs they would return the deductible to you as well.
The portion of blame and weather your insurer can subrogate the losses will affect how much your rates will go up. When third parties are to be blamed 100% and the insurer recover the whole losses they would not increase your rates much or not at all.