Getting into a car accident can be incredibly disruptive on many fronts. One of the things that can be most aggravating is getting into a car accident and then watching your car insurance rates go up, even if you do not believe that the car accident was your fault. If you have been in a car accident and you file a claim with your own insurance company, this is likely. However, if the accident was not your fault, you may be able to stop your rates from rising, but you first need to prove the fault of the responsible party.