In NJ, if you are in an accident that is not your fault, will your rates still go up?
I was in a bad accident in NJ in 2023 with significant injuries (I was rear ended at a red light so 100% not at fault) and my insurance definitely went up but I assumed that was because it’s a no fault state and I used my PIP.
My husband accident scratched a car in a hospital parking lot and left his contact info on the car. The owner of the car reached out and he gave her his insurance info but also offered to pay out of pocket since our insurance went up with my not at fault accident and we weren’t sure if in NJ both sides insurance goes up or if that’s only in the case of using the PIP.
Even with my accident our rate is pretty reasonable at $1700 for 6 months for both of us because we drive older cars and only drive like 5 miles to work, I think my husband is just embarrassed because he’s 47 and this is his first accident. The other driver already filed a claim, I’m just curious if I was right in my thinking that it could raise the other drivers rates as well. Ty.