Will not at fault accidents raise my insurance?

Those accidents are paid for by the other driver's or rider's insurance, not yours. You should not see increases.

Possibly. Anytime you file a claim the ins co will most likely raise your rates to recoup the expenditure.

Usually not but they could if your insurance company checks your DMV driving record and finds that you are accident prone. Regardless, the most foolish thing you can do is to pay out of pocket when insurance will pay.

People who have insurance but refuse to use it merely because of the FEAR of a rate increase, have a screw loose.

Your rates will continue to climb because basically car insurance is a scam. The companies have no qualms about robbing you until you actually need them. Then their motto suddenly becomes: "If you ever need NOTHING,we're there for you."

Farmers is one of the worse.

It makes sense that they will not. But your insurance company will be a better source of information than Yahoo Answers. Don't worry, they won't yell at you for wasting their time if you call them and ask.

SOMEONE has to pay! Your insurance company sold you an insurance policy based on the assumption that you will have no accidents. Unless you can prove that someone else is responsible, and has insurance to pay for your damages, I guess it's going to be YOU!