There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined
$ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount.
When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages