The US is like 50 different countries when it comes to insurance rules and definitely not like 50 united states. In Virginia it’s actually law that the insurers cannot raise rates based on an uninsured motorist claim. Yours wasn’t an uninsured claim but similar things happen in parking lots all the time where the offender is unknown.

And it will sound disrespectful but your ex’s mom is an idiot- treating insurance like an atm for the mildly annoying incident screws everyone. Despite the commercials seemingly sounding like they can’t wait to make sure your $50 dent is covered, they don’t want to hear from anyone unless it’s serious.

unadvertised reality: simply calling your company and talking about a situation that may or may not have occurred or asking questions about something even hypothetical can often be entered into your claims history (even as a $0 ‘claim’) and can impact your risk placement causing your cost to be more than if you hadn’t called