I (F20) was involved in an accident on December 21, 2017, where a girl hit me head on twice, I had some pretty bad injuries, and i was not at fault. My car was totaled (around $13,000 of damage as the whole front was smashed in). From what I read online, this will not show on our insurance (the accident itself). I hired an attorney to handle the medical part of the accident, and since we have a much higher personal injury amount, he filed with our insurance instead. From what I read online, this obviously will be shown on our insurance.
Now, my dad was at fault since he rear ended a car today (barely any damage and only on the bumper, but still damage) and is at fault. His car has around $500-600 damage, but he will fix it himself, so it should stay around that price (The radiator leaked, bumper fell off, etc.) There is no disputing that. It happened where someone jumped in front of the car in front of him (I hope that makes sense), the person in front of him braked, and my dad started to break a second too late. It was a mild bump only at maybe 1 mph. It was standstill traffic.
Will our rates go up or do we risk being kicked out since we have 1 medical claim and 1 at fault accident? We have Statefarm and currently pay around $1,600 for 4 cars every 6 months (Mine being the most at around $500.00. The rest at around $200.00-$300.00).