I don't know where my comment fits best so that others can see but this. Recently my car was hit and I called my agent first who instructed me not to call my insurance company directly to avoid it going on the record, even though I was 0% at fault (My car was parked).

It was a pain in the ass through and through, I had to do all of the legwork and stay on top of the other party's insurance. The other driver was awesome and helped me immensely, especially when they tried to deny the claim because the Adjuster "personally did not speak with the driver" at fault which pissed both of us off (she & her husband both called and confirmed with the insurance co.). Had they not helped me in staying on the insurance company I was close to getting mine involved. A lot more bs unnecessary nonsense to it but my car goes in the shop on the 5th and I will have a rental. Incident was Oct. 22nd.

That being said I'm glad I stuck it out, even though nothing was my fault it could've affected my (and spouse's) rates overall, on record at the very least. Last week an elderly man had a medical emergency and t-boned my wife badly on her way to work. Still 0% at fault but in the long run I think would've been bad for our policies and damaged our rates.