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Will a Car Accident Always Make My Insurance Go Up?
The short answer is that no, your insurance premium should not go up after every accident you are involved in. The circumstances of the accident can cause your premium to change, so if you are found at fault or have been found at least partially responsible for property damage or personal injuries, you may be charged more from now on. Some accidents will also limit your ability to find a car insurance agency that is willing to offer you coverage. 
When You Will Get a Surcharge
A surcharge is an increase in your insurance rate that you may receive after a life change or applicable car accident. Your insurance company can not increase your rates in the middle of a term, which is another reason that having longer terms is a smart plan. Most car insurance terms are for six months, even if you have monthly payments. Make sure your insurer does not try to charge you at an unfair time.  ....

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