If somebody hits me and it’s completely their fault (say I’m stopped at a light), do my rates increase? What if it happens more than once?

Answer

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If you’re in an accident that’s determined to completely be the other driver’s fault, your motorcycle insurance rates with Progressive would not increase, even if there were multiple occurrences. Our practice is to only charge for accidents in which you’re found to be at-fault. Other companies may treat not-at-fault accidents differently in their pricing, so if you’re insured with another company, it’s a good idea to check with your agent or your insurance carrier regarding their treatment of incidents like this.

Dan Kamionkowsi
Motorcycle Product Manager at Progressive