A driver can be anywhere between 0% – 100% at fault. Any driver who is more than 0% at fault will have an at-fault accident on his or her insurance record. If you’re found more than 25% at-fault for the accident, it’s likely that your premium will go up on renewal.
In addition, some companies allow one at-fault claim, regardless of percentage at fault, for clients believed to be good drivers, with little or no adjustment in rating or premium at renewal. Claims for theft, vandalism, fire, broken glass and collision (when you’re not at fault) don’t affect your renewal premium.
It’s important to note that if you lend your car to others and they cause a collision, your premium may be affected.
To confirm exactly how your rates will be affected, check with your broker.