Yup. X2
What many people don't know is you call your agent and get a copy of the corporate insurance settlement papers. You file that the accident was not your fault. (IF you can prove it with police reports.) All they receive is the fact that you had an accident and automatically up your rates. Because they pay for the repairs. You have to file papers to get the other company to pay your company for the repairs to avoid an increase. All lot of work that no one usually does.
Each insurance company has their own list of what you have to do. But it is available to all insured to get it revealed that you were not at fault and bring it to their attention for review. Some will honor it and not raise your rates others may not.
State Farm did for me. And the other insurance company paid my company for the repairs. THAT is how you don't get your rates increased.
