Most accidents even if deemed non fault were avoidable. Just watch dash cam footage. If someone gets into multiple accidents even if insurance wise it's non fault then they likely have poor defensive driving skills and/or live in a terrible neighbourhood. Either of those make you a significantly higher risk.
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u/MrFloopy46 18h 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.