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No. The person is only penalized when they are the one At Fault. It will not affect your insurance coverage. WAIT... They might! If you're insurance claim to cover the damage to your car was a collision claim... then other companies will see your collision claim history and return a higher rate quote to you! It's not fair but that's how it goes. Yes , its true for me premium kicked off to $705 from $630 after that claim appeared on my claims history

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Q: Will your premiums go up if you were involved in an auto accident but were not at fault?
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a judge in an American court makes the decision as to who is at fault for an auto accident. some states have "no fault" meaning in an accident all parties involved are given a percentage of the accident's fault


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