Make no mistake, car insurance companies are for-profit enterprises. They aim to make money and will raise your rates if they have a good reason to do so. However, in Utah, you have some protection if you are not at fault for an accident. To address this, we will first review the reasons your rates may increase. Second, we will discuss what happens to your rates if you are not at fault. Finally, we will talk about steps you can take to minimize the risk of your rates going up.