If I’m not at fault in an accident, my insurance won’t be affected | Insurance Myths

May 6, 2025|Insurance Myths|accident forgiveness, auto accident, auto insurance, car accident, car insurance, insurance rates, personal insurance

Even if you’re not at fault for a car accident, your insurance might still be affected. Here’s why.

📈Why Your Rates Could Increase

Insurance companies assess risk based on your overall claims history, not just who was at fault. Here are some factors that could lead to higher premiums:

Claim Frequency: Filing a claim, even for a no-fault accident, can signal to insurers that you’re at a higher risk of future claims.
Costs Incurred: If your insurance company pays out a claim, even if you’re not at fault, they may factor that into future rate calculations.

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Accident Forgiveness Programs

To alleviate concerns about rate increases, some insurers offer accident forgiveness programs. These programs prevent your rates from going up after your first accident, regardless of fault. However, eligibility requirements and coverage specifics vary by insurance company, so it’s important to check with your provider.

⚠️Why Reporting the Accident Still Matters

Some drivers may avoid reporting not-at-fault accidents to their insurer in hopes of avoiding a rate hike. However, failing to report an accident can lead to complications down the road. For example:

Undisclosed Claims: If the other driver files a claim, your insurer may find out anyway, which could affect your rates and trustworthiness as a policyholder.
Future Coverage Issues: Non-disclosure might make it harder to prove fault or secure coverage for related damages later.

Even if you’re not at fault in an accident, it’s important to understand how it could impact your insurance. While some rate adjustments may be unavoidable, being proactive and informed can help you navigate the process with confidence. If you have any questions or need assistance, please contact us.

Visit our Auto Insurance Page

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.

Read our Auto Insurance Blog Posts

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Halloween Safety - Part 1: Home Safety Tips

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Personal Auto Insurance COVID-19 Premium Return

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As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.

Deer Collision Risk Peaks in November and December

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Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.

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Top 10 Small Business Insurance Claims

September 4, 2018

An analysis by The Hartford reveals that four out of 10 small businesses may face property or general liability claims within the next decade, with burglary and theft being the most common. However, the most expensive claim for small businesses involves reputational harm, encompassing issues like libel, slander, and privacy violations.

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While car insurance typically covers vehicle damage, the most significant financial risk lies in injuring others without adequate Bodily Injury to Others coverage. Since accidents and their severity are unpredictable, ensuring sufficient coverage is crucial to safeguard against potential liabilities arising from injuries.

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MAPFRE Insurance was awarded the ValChoice #1 Best Value Award for auto insurance in Massachusetts on May 30, 2018. Scoring 92 out of 100 in ValChoice’s 2016/2017 analysis, MAPFRE stood out for its customer service, claims handling, and overall value. Only one insurer in each state receives this prestigious recognition based on unbiased data from each state’s department of insurance. Murphy Insurance is proud to be an agent for MAPFRE, offering customers access to this top-rated provider known for its outstanding service and value.

MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

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From Thursday, March 22, 2018 at 7 p.m. until Monday, March 26, 2018 at 8 a.m., the MA Registry of Motor Vehicles will be closed for a technology upgrade to meet federal security standards. During this period, non-public safety services will be unavailable, and no transactions will be processed.

New MA Real ID & Driver’s License Documentation Requirements Starting March 26, 2018

March 16, 2018

Starting March 26, Massachusetts requires documentation of U.S. Citizenship or lawful presence for any driver’s license, ID, or learner’s permit renewal or issuance. Four documents are necessary to confirm your Social Security Number, Date of Birth, and Residency.

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Thanks and Please Be Safe In the Kitchen & On the Road

November 20, 2017

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Equifax Breach – Freezing Your Credit May Impact Your Insurance

October 27, 2017

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.

Uber, Lyft and Other TNC Drivers…New Endorsement Covers Insurance Gap

October 6, 2017

Once you sign into a Transportation Network Company (TNC) app, your personal auto insurance ceases coverage for vehicle damage, property damage, bodily injury, and most other protections. Insurance policies provided by TNCs usually offer only limited coverage from logging into the app until picking up a fare.

Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

September 28, 2017

Floods, like other natural disasters, can inflict significant damage on properties and vehicles. Unfortunately, flood-damaged vehicles present a tempting opportunity for criminals seeking to defraud unsuspecting consumers.

Insurance for Uber, Lyft and Other TNC Drivers – Close the Gaps

June 20, 2017

Good news for Uber, Lyft, or other Transportation Network Company (TNC) drivers: certain insurance carriers now provide personal auto insurance policy endorsements, addressing coverage gaps. Plymouth Rock Assurance and Mapfre Insurance are among the companies offering these endorsements, bridging the insurance gap for TNC drivers.

All Electronic Tolling on Mass Pike – October 28

October 21, 2016

Effective October 28, 2016, the Massachusetts Turnpike (Route 90) ceased accepting cash for tolls, eliminating toll booths at exits. For those who don't frequently travel on the Turnpike, here's a summary to ensure you stay informed about these changes.

Pokémon Go App Takes Millions of Players to Exciting New Worlds; Insurance Can Help Make Those Worlds (and This One) Safer

July 19, 2016

Pokémon Go quickly gained global popularity, surpassing Twitter's user count in a matter of days, while also causing unintended consequences such as injuries and property damage, most of which are reportedly covered by insurance, according to the Insurance Information Institute (I.I.I.).

MA RMV Announces myRMV Web Feature

July 13, 2016

As part of the Massachusetts RMV’s Summer of Success campaign, the RMV launched myRMV on July 6 at www.massrmv.com. This new online feature provides a user-friendly central page where customers can access their RMV information and complete transactions in one convenient location.

Massachusetts 2016 Low Number License Plate Lottery Applications Now Being Accepted

June 27, 2016

Learn about the Massachusetts Lottery for Low License Plate Numbers, including how to enter online, available plates, and important dates for the 2016 drawing.

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

May 20, 2016

In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.

Why You Need Uninsured Motorists Coverage

May 19, 2016

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.

House to Consider Legislation Regulating Transportation Network Companies Ride for Hire

House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

March 10, 2016

The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.

MA RMV Announces Grace Period for December 2016 Registration Renewals

December 31, 2015

Are You Covered When You Borrow Someone’s Car?

December 29, 2015

Borrowing or driving a friend's car is common, yet we often overlook coverage considerations. It's important to be aware of exclusions and conditions in auto policies, particularly regarding "regular use" and "business use" coverage issues.

Bump Up that Deductible!

November 5, 2015

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.

Exercise Care on Freeways

November 5, 2015

Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.

Avoid Those Cell Phones While Driving

October 6, 2015

According to the National Highway Traffic Safety Administration (NHTSA), nearly 700,000 drivers in the United States use cell phones or manipulate electronic devices while driving during daylight hours. In 2012, there was a 9 percent increase from the previous year, resulting in an estimated 421,000 injuries in auto accidents involving distracted drivers.

RMV: Skip the Line…Go Online!

October 5, 2015

Hate waiting at the RMV? Before heading to a branch, visit MassRMV.com to see if you’re eligible for an online transaction. From license renewals to registrations, many services are just a click away. Plus, follow @MassRMV on Twitter for updates and enjoy free WiFi at select branches. #SkipTheLine

Reduce Your Exposure to Intersection Auto Accidents

September 25, 2015

Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.

RMV Introduces Free In-Branch WiFi at Eight Busiest Branches

September 16, 2015

Starting September 2, 2015, RMV customers at eight branch locations across Massachusetts can enjoy free WiFi while completing their transactions. This new service is part of the RMV’s ongoing efforts to enhance customer experience and modernize branch operations. Stay connected while you wait!

MassRMV: FasTrack License Renewal Self-Service Kiosks

August 18, 2015

FasTrack service is available at select MA RMV branches, including Boston’s Haymarket, Worcester, Springfield, and more. This self-service kiosk allows eligible customers to take their own photo, complete transactions quickly, and receive a temporary credential, with the permanent license or ID mailed to their address.

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

July 17, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.

Massachusetts Drivers Be Aware of New "Move Over Law"

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

July 17, 2015

A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.

Have You Heard? NH New Hands-Free Electronic Device Law in Effect July 1, 2015

July 1, 2015

Effective July 1, 2015, New Hampshire implemented a law prohibiting the use of hand-held electronic devices while driving, joining other states in similar measures. This law aims to enhance road safety by reducing distractions caused by electronic devices.

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

June 4, 2015

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.

New MA Law Requires Use of Headlights Effective April 7, 2015

April 1, 2015

A new law passed, effective April 7, 2015, mandating drivers to activate headlights and taillights alongside windshield wipers. Non-compliance with this regulation constitutes ticketable and surchargeable offenses, potentially leading to increased insurance premiums.

10 Things You Should Know About Insurance

March 25, 2015

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.

Coaching Your Teenage Driver

March 13, 2015

Obtaining a driver's license is a significant milestone for teenagers, symbolizing increased freedom and independence alongside added responsibility. While many teens may feel invincible, it's crucial for parents to instill a heightened sense of responsibility, particularly when driving, to ensure safety on the road.

Car Insurance Checklist…Getting the Best Value

March 3, 2015

To secure excellent auto insurance, prioritize value over price. It's crucial to consider the value you receive for your spending when purchasing car insurance, as minimum legal requirements may not offer sufficient protection in the event of a serious accident involving bodily injury or significant property damage.

Snow Removal from Vehicles Laws

February 9, 2015

Neglecting to fully clear snow and ice from your vehicle's roof and windows isn't just risky but could lead to hefty fines and legal consequences. Please take the extra few minutes to make sure your car is properly cleared to protect yourself and others on the road.

Vermont Cell Phone Ban for Drivers Begins October 1, 2014

October 1, 2014

Starting October 1, 2014, cell phone use while driving in Vermont is prohibited, requiring hands-free operation for electronic devices to comply with the law. All drivers must be mindful of these regulations when operating a vehicle in the state.

Gender Related to Type of Car Crash

September 15, 2014

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.

Most Stolen Cars in 2013

August 25, 2014

The NICB has published its yearly "Hot Wheels" report detailing the most frequently stolen vehicle make, model, and year in 2013, using theft data provided to the NCIC by law enforcement agencies. Read how to keep your vehicle safe from theft.

DOI Issues Alert on Car-Sharing and Ride-Sharing Services

July 24, 2014

Are you thinking about car-sharing or ride-sharing in Massachusetts? Beware: these options carry insurance risks. Understand your coverage limitations and potential liabilities before joining.

Is Hands-Free Cell Phone Use Safe?

April 25, 2014

Using a hands-free cell phone while driving might seem safe, especially with the rise of dashboard info systems enabling such calls, but it's not necessarily so. Although laws in Massachusetts and other states prohibit texting while driving and cell phone use by drivers under 18, it's legal for adults to use cell phones while driving, yet this doesn't necessarily equate to safety, especially compared to handheld devices.

MA Dept of Industrial Accidents Requiring Electronic Filing of All First Reports of Injury by Jan 1, 2014

December 19, 2013

Starting January 1, 2014, the Massachusetts DIA requires all Form 101 First Reports of Injury (FRI) to be submitted electronically—paper copies will no longer be accepted. Employers can submit forms via secure file transfer or through the DIA website with an authorized online account. While this change affects submissions to the DIA, the process for notifying Murphy Insurance or your insurance company remains the same. To avoid delays, businesses should apply for a DIA Online Account as soon as possible.

MA RMV Restores Renewal Reminders by Mail

November 28, 2013

The RMV has resumed its birthday postcard reminder service, notifying drivers if they can renew online or must visit a branch. Supported by advertising, this service helps Massachusetts' 4.75 million licensed drivers stay updated, with 87,000–92,000 postcards sent monthly.

Thank You & Be Safe Over Thanksgiving

November 27, 2013

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.

RMV requires 72 Hour Notice to Cancel Road Test

November 10, 2013

Effective November 13, 2013, the MA RMV requires 72 hours' notice (instead of 24) to cancel or reschedule a road test without paying the fee. This includes weekends and holidays, and cancellations can be made online or via the automated phone system when RMV offices are closed.

When Driving Out of State Carry Proof of Insurance

July 16, 2013

While Massachusetts drivers may not be familiar with the requirement, many other states mandate that drivers carry proof of insurance and have Auto Insurance ID Cards. This difference in state laws can create stressful situations for travelers, highlighting the challenges of navigating inconsistent insurance requirements across state lines.

Keep Your Home in Tip-Top Condition

June 23, 2013

In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.

Drive Safely On Thanksgiving…And Thanks

November 21, 2012

Thanksgiving often involves travel to reunite with family, especially by road, which statistically poses higher risks of accidents and injuries. To ensure everyone's safety, here are some precautions you can take during this holiday season.

Get Your Coverage Updated Well Before a Storm

Insurance Claim Tips For After The Storm

October 29, 2012

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.

Remembering Irene…Lessons Learned

September 21, 2012

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.

Hit-and-Run…It Can Happen To You

January 31, 2012

In a car accident, identifying the other driver isn't always possible, especially in hit-and-run situations which can escalate beyond mere vehicle damage to serious injuries for you or passengers, or even pedestrian accidents. Such uncertainties highlight the importance of being prepared.

5 Tips for Better Value on Your Car Insurance

5 Tips to Maximize Car Insurance Value

December 21, 2011

Maximizing your car insurance coverage while saving money is simpler than you think. By exploring discounts, adjusting deductibles, and understanding your vehicle's value, you can get the best bang for your insurance buck.

Most Stolen Cars in 2010

December 14, 2011

Surprisingly, the list of most stolen cars last year might include some models you wouldn't expect. However, with technological advancements, newer vehicles come equipped with features like kill switches and GPS locators, contributing to declining vehicle theft rates.

Driving Safely at Thanksgiving

November 22, 2011

As Thanksgiving approaches, I cherish the traditions that bring us together and prompt reflection on gratitude, including our valued customers and dedicated team at Murphy Insurance Agency. Yet, amidst the joy of the holiday, it's crucial to address the heightened risks of travel, particularly during one of the busiest and statistically most perilous times on the road.

Don’t Risk a Lot For a Little

October 5, 2011

Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.

Back-to-School College Student Insurance Issues

August 18, 2011

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.

Five Insurance Lessons from ‘The Town’

August 18, 2011

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.

Welcome to the Murphy Insurance Blog!

August 17, 2011

Welcome to our blog, where insurance meets real life without the jargon. We aim to simplify insurance topics, offering personal and business coverage insights and guidance. With a dedicated team, we're here to share valuable information and engage with our readers. Stay tuned for updates!

Mobile Phone/Texting while Driving Law Effective September 30, 2010

August 23, 2010

Stay informed about the Massachusetts Safe Driving Law taking effect on September 30, 2010, which introduces new provisions. Familiarize yourself with the updated regulations to ensure compliance with the law.

Massachusetts Drivers Be Aware of New “Move Over Law”

February 4, 2010

Starting March 22, 2009, the Move Over Law aims to safeguard police, firefighters, tow truck drivers, and roadside workers. Drivers must switch to the adjacent lane or reduce speed when approaching a stationary vehicle with flashing lights, ensuring safety on the road.