Had 2 completely not at fault issues. Once at the light leaving Walmart parking lot. Woman in front of me and people behind. Woman in front decides she wanted to back up and go different direction. All I could do is lay on horn. Backed into me and hit my headlight.
Another time sitting at light, cop behind me and someone turning slid and hit my front. Completely not my fault in any way.
Got dinged with not at fault accidents both times. Oh hell yes my rates went up. Get ready yours will too. Scummy sob's.
Learned my lesson.