Originally Posted by webist
How does a claim raise your rates if nobody is at fault? Does "no fault" mean that one can get in an accident while violating traffic laws and have it be no one's fault. Confused.
Anytime a claim is filed (does not matter if it is no fault) there is always a possibility of a rate increase. If you strike a pedestrian or a bicyclist with a motor vehicle, your insurance rate will go up guaranteed. On the other hand some insurance companies do reward good drivers by giving rebates to people who do not file claims.