## The Myth: “I Wasn’t at Fault, So My Insurance Is Safe”
It sounds completely logical. The other driver caused the accident. You did nothing wrong. So your insurance company has no reason to change anything about your policy, right?
**Wrong — and believing this myth could cost you.**
Here’s the reality: some insurance carriers *do* review your overall claims history when renewing your policy, regardless of fault. Depending on your insurer and your specific policy terms, even a not-at-fault claim could trigger a rate review at renewal time.
### What Can Actually Happen After a Not-At-Fault Accident
– **Your rates *may* increase at renewal**, depending on your carrier’s guidelines and claims history
– **Your claims record is updated**, which insurers can reference during future underwriting
– **Your deductible may still apply** if you file through your own policy first
– **Coverage gaps may become visible** — accidents often reveal missing coverage options like uninsured motorist protection
### What You Should Do Right Now
Don’t wait for an accident to find out where you stand. Talk to a local insurance professional who can review your current policy and help you understand exactly what’s in it.
At **Evertrust Insurance Agency** in Nashville, Tennessee, we walk clients through their coverage so there are no unpleasant surprises after a claim.
📞 Call us: **(615) 719-3049**
🌐 Visit: **evertrusttn.com**
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*Coverage is subject to policy terms, conditions, and eligibility. Any scenarios described are illustrative only and individual results may vary. Evertrust Insurance Agency serves clients throughout Nashville, Tennessee and surrounding areas.*
Photo by Anthony Maw on Unsplash