It depends on who is at-fault, and all the insurance companies involved and their rules and regulations. Assuming this "other driver" didn't cause the accident, your rates *shouldn't* go up. Rates go up all the time though, for no other reason than "rates are rising across the state". Also, not just any "other driver" is covered under your insurance policy. Some companies won't cover your brother, for example, if he lives in the same house that you do but isn't listed on your policy. Some companies WILL cover your live-in brother, but only secondarily; they require he uses his own personal insurance policy first. Some states recognize common-law marriages and treat your live-in girlfriend as your wife; others do not. Be sure to read the fine print in your policy documents (check the Uninsured/Under-Insured Motorist section for specifics), and if you have ANY questions, call the 800 number and ask them to explain it in English! LOL
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
Shouldn't do provided other driver is identified.
Yes, the general idea of insurance is that your rates go up when you cause an accident and they are forced to pay out.
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.
Your rates shouldn't be affected, as long as he wasn't in an accident in your car.
Generally speaking, no. However, in any moving incident/violation, your driving record is checked. If it turns out that you have a few past speeding tickets, and maybe another previous accident or two where you were not at fault, the insurance company may choose to tag you as a high-risk driver and increase your premium. On the other hand, if you are a driver with a spotless record, your rates will probably not go up in the event of an accident where you are not at fault.
The actual driver. Unfortunately, if the driver is your kid, and you're adding your kid to your insurance policy, it could affect your rates.
Most likely yes.. but your rates are going up, and the driver will be cited.
You will need to get a coverage that you can afford but at the same time will pay for the accident, because according to Texas state law, the driver responsible for the accident will have to pay for the accident. Insurance is a must have and you should compare the rates from multiple companies and get the one with better coverage.
Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies
In Michigan, if another driver is at fault and ticketed, my insurance company and probably others, will not raise your rates. If you are at fault, even if you are not ticketed because the accident was unavoidable, your rates would go up. My insurance company won't raise the rates for one accident, but will raise them for a period of three years after a second accident. If no more accidents during the three years, the rates go back down. If someone else is driving your car and has an accidents the same answer above applies. If you are parked and someone hits your car, even a hit and run, your rates don't go up. Other states may have other rules.
After an automobile accident the automobile insurance carrier will usually raise the rates of the liability 7-10% depending on the severity of the accident.