Pay attention to your rates on your next insurance renewal. I went through the exact same thing as you last year. I was t-boned by a kid that apparently didn't understand what a stop sign was. He sent me flying off into a corn field, and my truck was totalled. He was completely at fault, and my truck was a complete write-off that his insurance took care of.

When I got my insurance renewal the following year, my rates were quoted $25/month higher with about half of the insurance companies I had quoted, because I was involved in a no-fault accident.

My insurance was never a part of my incident either, other than asking if I needed their assistance with anything. I found the quickest way to solve my problem was to go directly to the police department, pay $2.00 for a copy of the accident report, and then I called the Insurance company for the other driver listed on the accident report, and dealt with them directly. They were very responsive since I was working directly with the police report, and sent them a copy via email to speed the process up.

Insurance companies will do whatever they can to increase your rates. I GAURANTEE you that regardless if you dealt with your insurance company on the claim, you now have a No-Fault incident on your history. This doesn't mean your insurance will go up, but for a lot of companies, they WILL use it as a reason to raise your rates. I shop for insurance every single year. I don't usually change companies, but do get rates every year. Half of the companies I shopped around with this year included the no-fault accident on their estimates, even though nothing was paid out by my company.

Long answer short... because they can. Any reason to raise a rate, they will. Just like these stupid odbc trackers they are offering for discounts. You dont think they will deny a claim based on your driving habits? You get in an accident, odbc says you are doing 10 over... boom... they are going to drop you, or raise your rates.

I used to have Esurance. They tried to raise my rate 15/month because of that no fault accident. I did online quotes with Progressive, Geico, and one other, and all of them quoted higher with the no fault accident.

I ultimately went with American Family this year because they didnt quote higher for the no fault, and didnt have a large premium difference for not using that tracking device.