Our 17 year old was hit by an uninsured driver who was found to be at fault. We had to file the claim through our insurance company as her car was in need of repair. We had all the needed coverage: uninsured/underinsured motorist, collision, you name it. Our rate was $3200 a year. Now it will be upwards for $4300 a year for 3 years. How can it be that we get so punished for an accident that was not her fault?