Jeffrey Foresta
Jeffrey Foresta voted up Rooster Cogburn's answer

Anytime anyone anywhere hits you in the rear it's almost automatically that persons fault. Your insurance won't go up even if that person was uninsured. Very very rare that that person who got hit in the rear is at fault. Unless you just stopped for the hell of it, which I highly doubt. No, you're … Read more

Jeffrey Foresta
Jeffrey Foresta voted up Corey Hawkins' answer

If it is his fault, which it most likely will be, your rates shouldn't be touched. I had a similar incident about a year ago. A girl ran a stop sign and nailed the rear end of my Nissan and totalled it. My rates weren't touched. Good luck!