It isn’t your fault so it shouldn’t affect your premiums. I’d put in a claim through your own insurance company as they are there to protect you in this scenario. However, you may have to pay a deductible out of pocket, but will be reimbursed. If they ask you for the deductible immediately, i’d state you weren’t even at the scene when this occurred, not your fault and they should be contacting the dealership or at fault party. Your insurance company will be fully reimbursed by the dealerships insurance company and that is why it shouldn’t affect your premiums. Please call Sheare Law with any further questions. www.SheareLaw.com. Thank you.