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A: Your rates should not go up if you were not at fault. O.C.G.A. 33-9-40 provides that "No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance or cancel such policy as a result of the insured person´s involvement in a multivehicle accident when such person was not at fault in such accident." Even if your rates were illegally increased, the simply answer is to shop around for a better insurance company that won't gouge you for being in an accident that wasn't your fault.
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Jason R. Schultz
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Peachtree City, GA 30269
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