Why did my premium increase if there was no claims payout?

My insurance increased by almost 20%. My wife was hit by an elderly couple... wasn't her fault. No costs incurred by our insurance company but our premium just went up almost 20%. Is that normal?

There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up. Having a not-at-fault accident can impact your rates. However, it would not impact your rates as much as it would if it was an at-fault accident. The not-at-fault accident will be listed on your claims history for up to three years. Another common reason for a rate increase is simply the cost of doing business has increased. This can be because companies are having to pay for more accidents and cars are more expensive to repair. I would suggest calling your agent to find out what specifically caused your rate to increase by 20%. You can always shop around. At The Zebra, we can quote you with several companies at once. You can also give us a call at 833-768-7789. Good luck and if you have any other questions, don't hesitate to ask.