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.

But not in Alberta. Your insurance rates are determined by your driving recored, what type of car you drive, your age, married or not and where you live!

Your credit rating only affects what type of car you can afford to drive, or most recently what grade of gas you can afford!

08' Jeep Wrangler
64' Plymouth Sport Fury 383
58' Triumph TR-3A