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My parked car was damaged when another person was attempting to park
his minivan.(I'm in NJ).
I am told that if one is a risky "driver"(in this case, I wasn't even
driving), and has had multiple claims within a calendar year, the
insurance company will most likely hike up the premium regardless, as
they consider such a driver as "reckless". I had an accident last
November.
The man was kind enough to leave a note on my car. My questions are:
a)Will my insurance premium go up if I file for a claim?
b) Will I have to pay my deductible, if I file for a claim?
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