I get into accidents and my rates don't go up. But that's because I'm lucky and my accidents are witnessed by police officers. Especially lucky, because I seem to get hit by idiots with no license and no insurance. They rear end me at 35 mph when I'm turning into a parking lot with my blinker on or they suddenly decide to turn left into a parking lot from two lanes over when I'm in the left lane I've been fortunate that the only major incident in the Z was a guy that fishtailed passing me in heavy rain, which I avoided by spinning off into muddy grass with no collision. Tow truck had me back on the road in about 30 minutes