Hi Cliff, First of all I'm glad no major injuries occur. As far as your question concerns, the answer is not decisive. It very much depends on your insurance company and, of course, on the trial call. A more reasonable option is for your policy to become heavier, as for a driver who was involved in an accident. In this case, assuming you will win the trial, use it to prove you are not a dangerous driver, just as you were before. Sometimes no matter how fine one drives an accident is inevitable. Good luck, And drive safe.