The accident was her fault so we understand that the premiums would increase.

My point was that in general you should be careful in making any claim that your insurance may have to contribute to. With car repair costs so high it often makes sense to increase your deductible and just eat small claims.
Just trying to help out others before they make the same mistake.

Obviously if the other driver is at fault, let their insurance pay for it.....that is IF they have insurance. Again, my wife previously was hit by a 20 year old with no license, no insurance. Fun.

 

IF the other driver has no insurance (It calls “uninsured/underinsured motorist”), your insurance will cover all with no impact on your record or premium.

 

yes, that is exactly what happened.

 

Dependent on your insurance company, comprehensive coverage does not raise the premium rate.

 

I know accidents happen and it's a blessing when no one is injured The problem comes in dealing with insurance, body shops, and diminished value of your new car.

 

I called USAA yesterday and spoke with a very knowledgeable employee for at least 30 minutes. I asked whether my rate could go up after making a comprehensive claim and she "yes" it depends on how many comprehensive claims have been made, I was surprised. You made a comprehensive claim on your wife's Mercedes and you had a rate adjustment (aka rate hike) late last year. I never noticed, how much was it? and she said $7 and I asked per month and she said no, every 6 months.
Per year, that's less than the cheapest glass of white wine at. a decent restaurant, $12+tip. No wonder why I didn't notice the adjustment.