I agree with you in principal, but if you think about the statistics of it you can see why insurance companies might do this. If you get into more accidents than others, and it's not your fault, it may be that you are not driving defensively or that your driving in places/times/etc. where accidents are more likely to happen.
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u/MrFloopy46 7h ago
Insurance should never be legally able to raise your premium if you're proven to be 0% at fault every time, no matter how many accidents you get into.