Just being in an accident can impact your insurance. I’ve been in two accidents where I wasn’t involved in making the claim, one a hire car and one a named driver. Both non fault accidents but both increased my premiums at the time.
I’ll have to wait and see what happens with the latest accident after someone decided to reverse into me last week.
This is over the space of about 17 years btw.
Second others on the whiplash, I was fine immediately after, it was a different story 12 hours later.
It was a fun call to the rental car company – “Where’s the damage?” Me: “All over” (Someone decided to make me the filling in a car sandwich at the back of a queue of traffic, literally every single panel was damaged, even the roof was creased)