Does a NOT_AT_FAULT coincidence affect my insurance rate?
Answers: Nope. You may have to provide a copy of the police report to prove it though.
If it is 100% not your blemish as found by the insurance companies, it should not effect your rates
In the UK it means that in opinion it has no affect on the gross premium. But it will affect the no claims discount as it's "no claims", not "no blames", so a lesser discount=higher insurance premium.
No mistake also means that you should be able to recuperate any policy excesses levied if you have uninsured losses cover.
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