> Not being at fault is not the same thing as not having exposed yourself to heightened risk. By moving in next door to a drunk, how dare you. The problem wit

> Not being at fault is not the same thing as not having exposed yourself to heightened risk. By moving in next door to a drunk, how dare you. The problem with your example, and the reason it doesn't apply to this particular discussion, is the rates will go up if a drunk drives into your garage door and hits your vehicle. Is it because of a heightened risk, or is it because the insurance company removes you from their special "never had to pay anything out on you" list? someone who gets a DUI is at an increased risk for wrecks, this is reasonable. Someone who is parked in a parking spot is not, that is not reasonable. The driver is already paying a rate based upon where they live, they have ALREADY paid for that risk.