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A: No, in most cases, your auto insurance company will collect the cost of the accident from the other "at fault" driver. If this happens, you will not have to pay your premium.
However, often each driver believes that the other driver caused the accident. When this happens, the insurance companies will sometimes determine which driver was at fault in court. So, although you may think that the accident wasn't your fault, you may end up paying your deductible and the increase in your insurance premium.
You may have heard the term "no fault" used by your auto insurance company. Some states are "no fault" states. In No Fault states, each motorist must carry medical insurance (called Personal Injury Protection) to cover themselves if they are in an accident, regardless of whose fault the accident was. This only applies to medical coverage, and not damage to your property damage.
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