You did everything right. You were stopped at a red light, following the rules of the road — and someone else hit you. Now you’re dealing with repairs, medical bills, and a nagging question: *Will my insurance rates go up even though it wasn’t my fault?*
Unfortunately, the answer isn’t always a simple “no.”
**Here’s the painful reality:**
Depending on your insurance carrier and your policy terms, a not-at-fault accident can still appear on your claims history. Some insurers may factor it into your rate at renewal. Others may not — but you won’t know unless you ask the right questions *before* it’s too late.
Many Nashville drivers also don’t realize:
– Their policy may include (or lack) accident forgiveness provisions
– Gaps in uninsured motorist coverage can leave them exposed if the at-fault driver has no insurance
– Filing through your own policy versus the other driver’s policy can have different consequences
This is exactly why reviewing your policy *before* an accident happens matters so much.
**Don’t wait until you’re sitting on the side of the road wondering what your policy actually covers.**
Call Evertrust Insurance Agency today at **(615) 719-3049** or visit **evertrusttn.com** to get a free policy review and quote. Our team proudly serves Nashville, Tennessee, and surrounding communities.
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*Disclaimer: Coverage is subject to policy terms, conditions, and eligibility. Any scenarios described are illustrative only and may not reflect your specific situation. Consult your policy documents or speak with a licensed agent for details.*
Photo by Anthony Maw on Unsplash