Well, I get a call from my gf this afternoon and she got in a minor fender bender driving my beater while I took her car in the shop this afternoon.

So it was her fault and it goes against my insurance apparently. So with this, and a minor speeding ticket, will that kill my insurance? Anyone know how the insurance companies do this thing in a rating?

That's my nightmare tonight that I have to get rid of my S

Accidents happen...