If you cause an accident or wreck, yes, your insurance rates may increase. Exactly whether they increase, or how much, will be determined by your insurance company.  If you are not at fault for a wreck or accident, then your rates should not go up. Many people are worried about using their insurance in any situation for fear of their rates going up; however, if you are not at fault you should strongly consider using your own insurance if you have coverage’s that can help. To find out more, please contact one of our attorneys.