Good Sam raised premiums for non chargeable accident

In most states (no-fault states like Michigan being the exception), the thing to do is to contact the at-fault driver's insurance company for payment and NOT your own. National General can't raise your rates for something they don't know about. I'm not defending them, just saying it's better to not tell them what they do not need to know.

Which might be the reason why my rate didn't go up..... ;)