Ultimately, while not-at-fault accidents may not directly lead to an increase in insurance premiums, they can still play a role in how insurers assess risk. Drivers should take proactive steps to understand their coverage and communicate with their insurance provider about how not-at-fault accidents are treated under their specific policy. This knowledge can empower drivers to make informed decisions and potentially avoid unexpected premium increases.

imintheright.com.au/blog/does-a-not-at-fault-accident-affect-insurance/