If you hit someone in your vehicle, that is an at-fault accident according to your insurance company.
If someone hits you in your vehicle, that is an accident which you are not at fault.
Your insurance company will likely look at both accidents differently and not penalize you by raising your rates for the accident that is not your fault. That will depend on which state you live in and how your insurance laws are set up with the state division of insurance or insurance commissioner.
More times than not, if someone hits you and they are insured, their car insurance will cover the damages to your vehicle and pay your deductible. Your insurance company is there to make sure that you get your money from the other company and that if you have problems, they will help you to collect.
If you are hit by someone who does not have insurance and you have uninsured motorist insurance on your vehicle, you will have no choice but to put the claim through your insurance.
States that allow for uninsured motorist insurance have put into place laws that do not allow the insurance company to raise your rates if an uninsured driver hits you.
The state of Tennessee has included language in their state Tennessee Code Annotated § 56-7-1201(f) that it is unlawful for the insurance company to raise your rates or cancel your policy just because you were hit by an uninsured motorist.
If you are involved in an accident that you are not at fault, there is no insurance on the other driver, and you are not carrying uninsured motorist coverage, you will file your claim with your insurance company and your collision insurance will cover it.
If you are involved in an accident that you were not at fault and are concerned about your rates, you can always do a quick auto insurance comparison with other companies to see if you are paying too much for your car insurance. Comparing auto insurance quotes is something that is quick and easy to do.
You can always compare auto insurance quotes online with many company, as well as in person with local agents or brokers. When you do your auto insurance comparison, do not forget to compare the quotes of your current insurance.