Sometimes even though you were not at fault, you're rates could still go up. I believe ou are 20 percent at fault, you were in the driving on the road where the accident happened so it is partially your fault. Thats how the insurance company likes to look at it cause they're crooks.
If you get a police report there is more of a chance your insurance will go up because if a claim is filed by the other driver then your insurance company will check the police record and then they will see the police report. Thats just a glimpse of my experinces with the crooks I mean insurance companys. Good luck!
