Will your premium increase in the ratio of the amount insurance is paying to fix the car whether it is your fault or not?

Some insurance companies have "accident forgiveness" and others don't. Even if an accident is not your fault, you are now viewed as a higher risk. You may be able to cancel the claim and fix the damage yourself, but you should do the math first. Figure out the cost of repair versus the difference in your monthly bill for 3 years. Take the road with the lower cost to you. The question is does premium increases in the ratio of amount insurace carrier is paying to fix the car?