So my experience has been that unless you are designated "at fault" in the accident, your rates will not go up. "At fault" means either you hit another car or drove into a curb/mailbox/etc.
Vandalism, rogue deer and dumb bimbos hitting you in a parking lot and driving off do not count and you are free to ask your insurance company directly whether the claim would be considered "at fault" or not.
One caveat: Just because your rates stay the same doesn't mean that they won't drop you if you say....file a claim every time a rock dings your hood. Too many claims = you're a bad risk (even if you're just unlucky) and you will be dropped. Your NEXT insuror will be able to see this and will charge you a higher rate.
Also, good god who did you piss off to end up with a $750 deductible?
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