Hey all, I got a question about what happens to your insurance rates in an accident, even if its not your fault. Say you have an accident and the other guy is clearly at fault. If he is willing to pay for your damage are you better off than going through insurance? I've been told in the past even though its not your fault your rates could go up and you would now have an accident on your record. I live in Florida. I'm not sure if this varies from State to State.