According to the statute 626.9541(1)(o)(3a) and (3b): [An auto insurance company cannot impose or request] an additional premium for a policy of motor vehicle liability, personal injury protection, medical payment, or collision insurance … or refus[e] to renew the policy solely because the insured was involved in a motor vehicle accident unless the insurer’s file contains information from which the insurer in good faith determines that the insured was substantially at fault in the accident (emphasis added). However, if you have had three or more accidents, regardless of fault, within the last three years – the insurance company may fail to renew your policy.