We last looked at what to do following a New Jersey auto accident while still at the scene of the accident, but how does car insurance work when you are not at fault? Do you call your own insurance or that of the other driver’s? Will my premiums rise even if I am not at fault? What if the other driver who was at fault does not have insurance? This post aims to answer all of the commonly asked insurance questions that arise following a car accident where you were not at fault.