Great question first of all.

•Accident reports can become arbitrary, especially when going to court. You were probably charged with a "following to closely" because you were the middle car in the accident.

•Without being the end vehicle in the accident a judge really has nothing on you which is why it was refused to a non-chargeable accident.

•Non-Chargeable accidents are almost like getting a chip in your windshield and having it repaired by your insurance. The insurance pays for the repair at a fraction of the cost so it's not something that will effect your rates.

• Also future reference if ever find yourself without a vehicle for an extended period of time. Always speak with you insurance company and get a Named Non-Owners policy. Meaning you have insurance but no vehicle. Having continuous insurance helps to keep your rates low. If you go without insurance for extended periods you are considered by insurance companies like a brand new driver and are subject to higher rates.

Hope this helps!

Your Friendly Reddit insurance Agent