And, if your wife had a second at-fault accident with claims within a three-year period, it typically would result in a surcharge of at least 40 percent -- but we've seen as high as 150 percent with some insurers. This would definitely leave you wishing you'd paid the extra $150 out-of-pocket for the first accident.Beyond the surcharges that will hike up your auto insurance rate, an at-fault accident can take away a good driver discount (usually around 25 percent), claims-free discount and/or accident-free discount. The removal of any discount will result in your total premium going even higher. Also, after a second at-fault accident some car insurance companies will set up a policy for non-renewal at the end of your term. In general, too many claims will raise your rates and make it more likely your policy will not be renewed, so another reason not to make a claim for every little incident. Shopping around for cheaper car insurance can help you save; however, claims follow you. A claim for the minor damage to your wife's car will be listed on your C.L.U.E report, which other car insurance companies will look at and rate on when offering you a policy.