However, there are some exceptions to this rule. For example, if you are not at fault for the accident or if you have a "no-fault" insurance policy, your claim may not be counted against you. Additionally, some insurance companies offer "accident forgiveness" programs, which allow you to have one or more accidents without your premiums being affected.
If you are unsure whether or not your accident will be considered a claim on your insurance policy, you should contact your insurance company directly for more information.