Legally can the auto Insurance company raise the premium if?

your car was hit by another driver while it is parked and you were inside of the house, and you tell the insurance agency, do you need to also tell the DMV, and then can the DMV put on your driving record that you have a point for an accident or something?

Legally for this type of accident, do you think the auto insurance company can raise your insurance rates?

And are companies and agencies allowed to keep all of this in a record for years that could be a burden later?

Basically, would it be legal to just get the car exterior fixed at a private auto body shop, on your own, out of your own pocket? What would be better?

An insurance policy is a contract. So, if by the terms of the contract, they can raise your rates for such an occurrence, then yes, it is legal. Contractual terms are only void when against public policy or illegal by statute.

It would not be illegal at all to just pay out of pocket, if you choose to do so, for whatever reason, and not tell the insurance company about the accident. If they don't find out about it, there's no record, and there's no reason to raise your rates.

if the accident was not your fault it goes on your record for three years but nothing is charged against you. the accident you described i would have called the cops and than notified my insurance company

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