Will my insurance rates go up, even if I’m not found at fault for any part of the accident?

If you have a clean record without any recent accidents, most insurance companies will want to keep your business and avoid raising your rates. However, they may raise them to some extent if you need to access all or most of your PIP insurance. Of course, what’s most important is obtaining all the funds you require to get the medical treatment you need and enough to either fix your car or purchase another one.