You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.

Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.

Correct. And as far as I know it's standard practice in all states.

1998 Sportage - Gone.
2004 Honda Civic Coupe.
2007 Suzuki Grand Vitara - She got it.