Not true. I was in an accident years ago, and it was 100% the other persons fault. I would’ve had to pay my deductible and go after the other persons insurance on my own to recoup it. The only thing that saved me was the other person had the same insurance as me. You do have to pay the deductible regardless of who’s fault. You can get it back but you’re on your own going after the other persons insurance. Now that might be a state by state thing I don’t know. Correct on your insurance not going up.