The main concern in your case may not be just insurance payments...it might be whether a company will cover you! Lately, some companies will drop customers if they have a one or two at-faults accidents.
It also depends on whether you are going through (what I call) a volume insurer (like RBC, Meloche/TD, or BelAir Direct), or traditional companies like State Farm or Economical Life.
Have you tried an independent insurance broker?
