When my car was T-boned by a woman who ran a Stop sign, the repairs were expensive, but, and I stress this, not my fault. Because of the accident, State Farm raised my rates 25%. When I called my agent’s office in righteous indignation, they urged me to protest to the Maryland Insurance Administration. I did that. Turned out mine was not the only protest of that kind, and a few months later the MIA ruled for all of us against State Farm! My premium increases will be returned, with interest. Amazing. Take heart, all–sometimes the little guy wins one.