[Scrmegl]

Did you file a police report? If you can back up you were not in the car then it is not a moving violation on your insurance. A good agent can clarify how they rate you if you supply details of the accident. Your insurance company will investigate the accident and determine fault for you. If no tickets were issued then the only way to raise your rates is claim history. I am an Insurance agent so I have seen cases like this come in before. Its all in what they can verify.