David Dyer-Bennet wrote:



And in fact it *does* seem logical to me that claims not my fault are
less likely to bump my rates.


With State Farm if you have an accident that is the other guys fault and
he has no insurance or not enough you use your collision to cover it.
State Farm pays to fix your car and then goes after the other guy. You
get the first dollars they collect to offset your deductible. If they
come up short they eat it. Does not affect your rates. Other companies
no doubt do this as well, but not all.