Any motor vehicle accident that you are involved in can affect your automobile and motorcycle insurance rates.
In most cases, your rates will be most heavily impacted if you are at fault for the crash. If you were cited for recklessness or negligence, or if your actions caused someone to suffer serious injuries or lose their life, you will likely see your rates increase significantly.
A single accident that was caused by another party should not negatively impact your insurance rate. Your rates could be impacted, however, if you’ve been in multiple crashes. This is because your insurer will take into account the cost of insuring you and the increased likelihood that you’ll be involved in a crash again.