Your driving record and whether you are found at fault for the accident are some factors that may impact your premium after a car insurance claim. Here's a closer look at some things your insurer may consider after you file a car insurance claim.

The severity and cost of the claim

No two claims are alike. For instance, there's a difference between a minor fender bender and an accident in which a vehicle is totaled. The cost and severity of a claim are key factors when it comes to whether your insurance premium may increase.

Your driving record

Auto insurers typically consider your driving record when calculating the cost of your car insurance policy. Drivers who are considered higher risk based on their driving history may be charged a higher premium, the Insurance Information Institute (III) says. Even if you've been considered a safe driver in the past, your insurer may re-evaluate your driving record and decide to raise your premium if new claims indicate you've become a riskier driver. However, filing a claim doesn't mean your insurance premium will automatically increase.

Which driver is at fault

Whether your insurance rate increases after an accident may depend in part on whether you are found at fault. When you file a car insurance claim, an adjuster is assigned to your case. The adjuster's job is to assess damage. Your insurance company may also review the police report, interview those who were involved in the crash and look at photos of the damage. The adjuster works with the insurer to determine who's responsible for the accident. In some cases, multiple drivers may be found at fault.